davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

on XX/XX/2024 my card was charged without my permission of the amount of XXXX that was manually keyed from the merchant and the actual card wasnt presented i called discover credited card to dispute the transaction they denied they said merchant have a picture of some broken peace on the boat we rent and my card was charge for the boat rental on XX/XX/2024 of XXXX $ and inspection was made nothing was broken we have been regular customer then i woke up next day to see my card charged without my permission and we didnt broke any ladder on any boat discover didnt help me get the fraudulent money back
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
CITICARDS CBNA XXXX
Consumer complaint received 2024-09-20
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. (NJ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I want to be clear that this isn't just a mistake. There are inaccuracies on my credit report that are really affecting me, and it's been a heavy weight on my shoulders. These errors are having a bigger impact on my life than I can explain, and it's been a tough time.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (IN)

On XX/XX/year> I went to an appliance store to get a washer and dryer and decides to pay the cash out option to get it at a cheaper price and avoid all the interest. XXXX payments were already before this happened and then a lump some of XXXX was paid for the cash out which was selected when making the payment option. Instead of the company using it as a cash out they used it as a " prepaid balance '' for the next few payments that would be due and not the intended cash out purpose. This went unnoticed due to me receiving an email saying my payment was received and paid in full, until this morning when my a count was over drafted due to them taking out a payment that was XXXX called the company and asked why the payment came out when it was paid back in XXXX in a lump some amount and all they would tell me was that the offer ended in XXXX and that I couldn't use the pay off amount anymore and that what I paid was my installments. And keep in mind on the main page all they give you is a date but it has no year attached so they arent even being specific and ia very misleading on their end. So now they want me to pay another XXXX almost to pay another cash out or XXXX plus tax in installments. Definitely scamming me out of Mt money because I decided to pay out instead of the installments.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

This collection ( attached ) appeared on my credit in XX/XX/XXXX. It states that I opened this account recently, which is incorrect because I have been living in my current address since XXXX of XXXX AND have not subscribed with any " XXXX XXXX. I can prove that I have been subscribed with XXXX since then XX/XX/XXXX. I am not aware of any XXXX company. 

See reporting attached that I obtained from my credit bureaus.
Consumer complaint received 2023-07-30
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. (TX)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. 

Here are the accounts that are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute This is a violation of my rights.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (AL)

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the XXXX  of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (GA)

Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. Because of this EQUIFAX is obligated by law to remove it immediately. EQUIFAX is liable under the SEC to follow certain rules and regulations. EQUIFAX Commission file number XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX. Consumer will be filing form 211 treasury OMB forms to audit consumers account. EQUIFAX is securitizing my data yet refuses to provide consumer with a copy of their UPDATED AND ACCURATE CONSUMER FILE DISCLOSURE.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid 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: DISCOVER BANK (NY)

I am filing a grievance against Discover credit card for not resolving a dispute with XXXX in my favor. On XX/XX/19, I purchased a XXXX laptop from XXXX, for {$710.00}. I requested a secure, signature required delivery. On the day of delivery I was at work, 50 miles from home. According to XXXX, they dropped the delivery in the building lobby which is unsecured with more than 40 appt units. XXXX left the package with no Signature required. When I came home, the package no longer was there. The next day I filed a police report and tried to address the issue with XXXX and Discover/cc. They both are blattantly lying that the " package was delivered ''. But if the package was dropped in the building lobby, I am telling you that I do not live in the lobby neither the lobby belongs to me and even more- on the given day I was not home. Discover has not resolved the despute in my favor.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was 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 consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>2018 XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$680.00}
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Ref : XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-13
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Formal Complaint Against Experian for FCRA Violations and Failure to Address Credit Dispute on several occasions. 

Dear Consumer, Financial Protection Bureau, I want to file a formal complaint regarding Experians repeated failure to properly address and investigate multiple disputes I have filed regarding incorrect information in my credit report. I am in the process of purchasing a home for my family, and the inaccurate information on my Experian report is directly impacting my ability to obtain credit for this crucial life event. It is distorting my character and tarnishing my personal finical image. 
Despite my numerous attempts to dispute the inaccuracies of my report like every consumer under the law, Experian has consistently responded with the same template letter stating that they are unable to process my dispute. This is unacceptable and a clear violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am entitled to a reasonable investigation of any disputed information, yet Experian has failed to provide this. 
Their ongoing refusal to conduct a proper investigation or provide any meaningful resolution shows non-compliance with federal law, and their actions ( or lack thereof ) have caused significant harm to me and my family as we attempt to secure our home. 
I Respectfully demand that Experian conduct a thorough, in-depth investigation into the inaccuracies on my credit report, without taking shortcuts or relying on automated responses. I have a comprehensive paper trail of every communication I have sent and received from Experian, and I am prepared to provide these documents to substantiate my claims. 

As a consumer, I am entitled to have my disputes properly addressed, Respectfully XXXX and XXXX have in fact complied with the law and have updated and have removed several same entries and erroneous information also found on Experian Consumer Report Why has Experian Not Deleted the Information, When XXXX And XXXX Have already removed the same information being disputed, As I consumer I have the right to a Maxim accurate credit report not a little not the minimal the maximum, its apparent with Experians blatant disregard for this process is a violation of both my rights and the FCRA. I respectfully request that the CFPB take swift action to hold Experian accountable and ensure that they comply with the law. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

Radius Global Solutions LLC send me a letter asking me to pay debt without showing me the agreement between the debt and the credit card company that they bought the debt from. 
what was written on the letter is as follows Radius Reference Number : XXXX XX/XX/year> Radius Reference Number : XXXX Account # XXXX Account Balance : {$5800.00} Dear XXXX XXXX XXXX, XXXX XXXX, XXXX, the creditor of your account, has placed the above referenced account with Radius Global Solutions for collection XXXX We would like to offer you the opportunity to resolve your account for less than the balance by paying {$1700.00} in XXXX payments over 12 months starting on XX/XX/year>. Each payment must be received within 30 days of the previous payment. If you skip or are late on a payment, we reserve the right to cancel the arrangement. Should you fail to complete the arrangement, any payments made will be applied to the balance shown above. If you need additional time to respond to this offer, please contact us. 
Please note, we are not obligated to renew this offer. Once XXXX payments of {$140.00} and XXXX payment of {$140.00} have been paid to our office on time, a letter will be sent confirming the above referenced account has been resolved. 
Should you have any questions regarding this account, please feel free to call us at XXXX.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I am writing to formally complain about an ongoing issue with my account, which has been on hold since XX/XX/year>. Despite multiple inquiries, I have yet to receive a satisfactory explanation for this action. The lack of access to my account has caused significant inconvenience, including declined payments and deposits, and a negative impact on my credit score. 

I request a detailed explanation for the hold on my account and immediate resolution to regain access. Please provide me with a written confirmation of your action plan and a timeline for resolving this matter. 

If this issue is not addressed promptly, I will consider escalating my complaint to regulatory bodies or seeking legal advice. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (NH)

Our mortgage payment on XX/XX/year> went up from {$1400.00} to {$1900.00} per month without notice or any warning. Last year we received a kickback from our escrow account saying that we over paid for our taxes. I called and confirmed they stated we simply over paid, and added that extra to my principle. ( This was within the 1st year of owning our home, so knowing we may or may not have over estimated what our escrow should be. ) Our mortgage dropped from {$1600.00} a month to {$1400.00} a month. On XX/XX/XXXX with no notice my mortgage went up by {$600.00} per month! I called and originally the mortgage servicer said my taxes doubled... I called the tax assessor 's office and they said my taxes went down by {$100.00} since last year. I called the mortgage company back and they told me they made a mistake. They received the noticed from our city for due taxes late in XXXX, so they went ahead ASSUMED our taxes dropped by 50 % ( how would this ever be feasible??? ), and adjusted our mortgage, and kicked us an escrow check. We have been paying {$1400.00} since they told us we over paid ( about a year! ) Now we are footing the bill for the short escrow account and the taxes and home insurance they supposedly paid for us ( without notice our escrow was being over drawn ), which now we owe them back for. A whopping {$3800.00} if we can't do it in one lump sum, it equates to {$600.00} extra a month. I'm paying out the nose for their mistake. This is such an unprofessional practice and could easily force a family into forclosure for unprofessional practice. I work full time and am a student and either me or my wife ( who also works full time ) will now need to find a 2nd source of income.
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (IN)

I did not know when applying for the loan that I would be charged extra fees on top of the payments I already make, high interest accrued each day on the account so the amount can never be paid of, also I did not know it was a revolving line of credit when I applied, I just wanted quick cash and to pay it off so I dont have to pay anymore. I contacted the company and they said only a small amount from the payments I make every XXXX weeks goes to paying off the balance and the rest goes to extra fees, I believe Credit Fresh is a predatory lender, which after I have researched on the company and other consumers have complained and wrote negative reviews about the company, saying the same thing has happened to them and could never get their balance down because they only put a small portion to the bill.