davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage at XXXX XXXX  opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXX XXXX XXXXpened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Ive disputed this multiple times, with credit bureaus. The balances on XXXX and Experian are different. Also, the charge off amount fluctuates monthly to different amounts which makes my credit score lower each month this happens. XXXX XXXX XXXX  restricts adding to the balance of the charge off account which is grounds to sue XXXX XXXX XXXX for violating state laws.
Consumer complaint received 2024-11-03
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. (TN)

I am submitting a complaint against Experian due to their failure to properly investigate a disputed bankruptcy on my credit report, lack of a timely response, and failure to provide the required method of verification. 

On XX/XX/year>, I filed a dispute with Experian to challenge the accuracy of a bankruptcy entry on my credit report. I provided supporting documentation from XXXX, which indicated that XXXX is merely a reseller of Experians data and does not independently verify public records. This evidence shows that Experian is the primary source of the bankruptcy information on my report, not XXXX or the court. 

Despite this, on XX/XX/year>, Experian closed my dispute and certified the bankruptcy as accurate without addressing the XXXX documentation. They also failed to respond to my dispute in the CFPB portal in a timely manner, even though they notified me they were still working on my dispute on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am entitled to request a complete method of verification for the disputed information. Experian is required to provide specific details on how the bankruptcy was verified, including the name and contact information of the verifier, the specific method of verification, and an explanation of why they disregarded the XXXX evidence I provided. 

Additionally, FCRA 611 ( a ) ( 1 ) ( A ) states that Experian must respond within 15 days to my request for the method of verification. Experian has failed to meet this statutory requirement and has disregarded the evidence I submitted, violating FCRA guidelines for a reasonable investigation.
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MD)

An attempt to pay off XXXX ( XXXX ) card by using Citi card with no interest for 15 months ; opening a line of credit for {$3000.00} to pay down on a XXXX ( XXXX ) account in XX/XX/year>. According to Citi the wire transfer was done on XX/XX/XXXX. As of date, the transfer to XXXX has never been received through wire transfer. Called multiple times to Citi who claims the funds were transferred to XXXX ; XXXX is saying the funds have not been received. On Friday, XX/XX/XXXX, did a teleconference with both Citi and XXXX, still no resolution. Citi has started charging a monthly fee to repay the balance of {$3000.00} although the funds were never received by XXXX. Ive made numerous calls to both Citi and XXXX, no resolution. 

It has been over 65 days since the transfer from Citi to XXXX with no resolution, and interest rate with XXXX continues. Ive requested that Citi cancel the transfer, which they say they can not. This is a request to resolve this matter and request Citi or XXXX to pay all fees incurred delaying this process.
Consumer complaint received 2017-07-17
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: Experian Information Solutions Inc. (CA)

I have attempted on numerous accusations with Experian and   XXXX   XXXX   XXXX   to dispute a file on my credit report that has been inaccurate for some time now. They suggested I get affidavit which I provided that, as well as a police report ... I sent a affidavit approximately over a month ago and sent ANOTHER ONE and still the credit bureaus nor the creditor has removed the file and I have provided every type of documents needed to prove that the account  XXXX  for  XXXX  is not mine. Its been taking more than 30 days and still no action.
I want to report this matter as in hopes you guys can speed up the process as I am trying to buy a home and its affecting my score.
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Thank you and enjoy your day..
Consumer complaint received 2024-08-05
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)

XXXX XXXX XXXX XXXX is reporting my account as late on my credit report. I never gave this agency written consent to disclose to any bureaus about my payments according to the FCRA USC 15 1681b and 15 USC 1666B. 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. Please have this inaccurate information removed and update my payment status to current with all bureaus. thank you for your prompt response and updating inaccuracies.
Consumer complaint received 2024-11-02
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc. (IL)

XX/XX/year> tried to withdraw XXXX dollars out the ATM located atXXXX XXXX XXXX XXXX XXXX Illinois didn't any money dispense but it wasn't taken out of my account when I call customer service they were playing on the phone very unprofessional i had to call several times when did speak to someone they told me that it's still pending so give it 24 hours and it will go back in my account it have been over 24 hours and money is still not in my account, this is my rent money I was trying to withdraw it to pay my rent yesterday if my is not paid today it is a late fee charge can please help me get this resolved before tomorrow
Consumer complaint received 2024-09-29
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

The account is invalid GOLDMAN SACHS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. GOLDMAN SACHS BANK USA XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX and I have submitted complaints in the past and I have decided to take legal action against CITIBANK. CITIBANK 's security has failed and has led me to lose {$90000.00} out of me and my families ' accounts. I have complained about this multiple times with little to no help from CITIBANK. It is clearly CITIBANK 's fault because the scammer had spoke to a bank associate XXXX XXXX in CITIBANK on XXXX XXXX XXXX in XXXX XXXX, Florida. The scammer impersonated my father over the phone and he acknowledged that it was suspicious and he did not do anything in his power to stop the wire transfers from going through. These were not authorized transactions and CITIBANK should have better security because of this. Also me and my father 's phone sim numbers were taken over by these scammers so it was a very intricate type of scam that they performed. With these sim card numbers, they switched them so they received our calls and we received theirs. This is how they impersonated my father when the bank teller called him and even when my grandmother called him. They are already getting sued in New York for the same thing. This is ridiculous because now my family is really financially crippled. CITIBANK has no one to talk to at their branch about this except for bank tellers who don't have authority for anything. But when we call on the phone we have to go through 5 different people every time to get to the right person. To make it even better they hang up half of the time.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of that is alleged owed. This is not a request to verify debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provider payment due to you.
Consumer complaint received 2024-11-02
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: Nelnet, Inc. (CA)

XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! NELNET TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Im reaching out because I received a collection letter from Credence Resource Management , LLC, claiming I owe a debt for XXXX XXXX XXXX. The letter is addressed to me, but it has the wrong last name, and Im confident this debt isnt mine. 

To clear things up, I sent Credence Resource Management a formal dispute letter asking them to verify this debt, including any account details and proof connecting me to it. I also requested that they stop contacting me about this debt until they can verify it, as I believe this is a case of mistaken identity. 

Im concerned this situation could lead to incorrect information on my credit report, especially since theyre contacting me with someone elses name. Im hoping CFPB can help me ensure that Credence Resource Management fully validates this debt or removes it from my record altogether. Thank you for any assistance you can provideI just want to resolve this issue quickly and accurately.
Consumer complaint received 2024-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc. (VA)

Southern Credit Recovery keeps trying to collect on a medical debt I already paid to XXXX XXXX XXXX. It was originally {$80.00} and now they are asking for {$160.00} even though I already paid XXXX directly. 

XX/XX/year> {$80.00} paid to XXXX XXXX Ref # XXXX ( screenshot is attached to this complaint ) XX/XX/year> Southern Credit Recovery letter asking me to pay {$80.00} I already paid SCR # XXXX XX/XX/year> Southern Credit Recovery letter asking me to pay {$160.00} on an {$80.00} bill I already paid with a threat in ALL CAPS to report this " unpaid debt '' to national credit bureaus. 
SCR # XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am submitting this complaint to the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block any information on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes the following accounts, which I do not recognize and did not authorize : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} These accounts have resulted in multiple fraudulent collections on my FICO credit report. All of these accounts and collections were neither opened nor initiated by me ; they are a direct result of identity theft and fraud. 

For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) issued by the U.S. Federal Trade Commission, confirming that the aforementioned accounts and collections are fraudulent. Please delete fraudulent accounts as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (IN)

There is an INNACURATE reporting on my credit report that is NOT VALID!! A collection account that is listed from Jefferson Capital Systems is now showing on my report. I am not liable for any debt involving this company as no contract was signed between myself and this company. I am not liable for this debt with XXXX XXXX, as shown on my credit report, I do not have a contract with Jefferson Capital Systems, they did not provide me with the original contract as I requested.
Consumer complaint received 2024-10-26
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. (NV)

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$440.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law.

Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Consumer complaint received 2024-10-26
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. (FL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report .Please remove these accounts from my credit report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

Under the Fair Debt Collections Practices Act, I am entitled to request validation of the debt that is allegedly owed. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.
Consumer complaint received 2024-11-03
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete all these fraudulent accounts none of the listed is associated with me.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I would like the authorized user credit card Chase XXXX  XXXX with a {$5000.00} limit removed from my credit report. I do not want this reporting on my credit report because according to the FCRA I can block anything from my credit report. Please remove it immediately.
Consumer complaint received 2024-10-26
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. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, and Experian. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXXXXXX XXXX with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXXXXXX XXXX XXXXXXXX with a bal. of {$260.00}.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (MI)

I disputed multiple charges on my credit report due to me being a victim of fraud and all companies are stating that I in deed opened accounts and I have proof that I did not open any of them accounts due to me being incarcerated and I have also submitted a police report as proof of fraud