davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (CA)

The collection agency attempting to collect on behalf of XXXX XXXX XXXX XXXX states this is a new collection account. The debt transferred from XXXX XXXX to LVNV and the debt drops off for 30-60 days and is added back to my credit reports as new. This debt stated during a period of time where I needed medical care and stopped work. I contacted the bank for assistance and made every attempt to make payments while on XXXX  XXXX. The debt was given to collections and is being improperly reported by XXXX XXXX and the debt collection. I XXXX XXXX  in XXXX so this debt is eight years or older and should no longer be reported on the credit report. The debt collection shows XXXX as the year of the debt. Which is false information.
Consumer complaint received 2024-05-06
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. (MO)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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. (OH)

In accordance with guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ), I am requesting the removal of certain information from my credit report. As a victim of debt bondage resulting from human trafficking, I have obtained the necessary documentation and a letter from an advocacy group supporting my case.

Please block and delete the following information from my credit report within four business days, as stipulated by Section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX balance {$880.00} Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-06
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

There were XXXX large deposits made to my online Chime Bank account in XXXX. These deposits were winnings from a online casino that I play. I have had this account for several years and have had my income tax refunds, paychecks and other winnings from the casino deposited to this account with no issues. On XX/XX/ my account was locked and I received a email asking for proof of deposits along with my ID. I submitted requested documentation on XXXX XXXX Since then I have resubmitted documents about 5 times. Each time I receive a email response asking me to submit submit documents. I have made anywhere between 10 to 15 phone calls only to be told that I can not speak to anyone on the review team but they will " expedited " my concern to them. I have submitted over 15 emails to customer support, outreach and review only to be asked to submit documents that I have already submitted numerous times. I have been off of work over a year because of a work related injury so this money was a blessing to me and my family but because my account is locked I have depleted my savings account and have been late paying my bills. I was out of town on the XXXX XXXX XXXX when my account was locked. Had to borrow money from family to get home and pay for the remainder of my trip. I need access to this account because this is all the money that I have and I have been told that I need to move out of my place by XXXX XXXX because I have been late paying rent for the past XXXX months because of Chime Bank holding my money.
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OK)

on XX/XX/ the XXXX XXXX that holds my loan called me and told me they are offering a lower interest rate right now. I asked about it. He said we will get you a XXXX rate from your XXXX rate. It will lower it 200-300 per month. He said he will not charge me closing costs or anything but the XXXX for appraisal fees. I said I can get it lower if I had someone do it. He then came back and said I can get it for no money down today. At closing I will only need my this month mortgage and XXXX for the appraisal fee they will now charge me at closing. When I got the documents it had built in a closing fee that equaled XXXX month of my mortgage payment that I would supposedly not have to pay if they close. The paperwork also told me I cant consult anyone on this. I told the loan guy no I wont do this. I told him he is charging me closing cost and the reason I am not paying a mortgage payment is cause my closing fee is the same amount. I told him to not call me nor text me again. I called my loan officer that I worked with when getting this loan. he told me to XXXX way all the guy and let him know that again. I called the guy back and let him know I do not want to hear from him in any way. Dont offer me any so called deal. I will pay my mortgage each month until I can do enough to refinance it with someone else. He then hung up on me. He then text me and told me my life was complicated and I was stupid for not doing this. I again asked him not to call or text. He text me again and called me a fool. I am now concerned of what else will he do over the next year until I can refinance with another company. I have attached just some of the conversation that this guy said to me. I dont want to ever do business with a company that has no ethics, morals or is so sneaky to XXXX over their customers.
Consumer complaint received 2024-08-06
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. (NY)

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 2023-05-04
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

This account was paid off by my credit union with an overpayment of {$900.00}. The claimed to have sent me 3 refund checks which I received 2. One which they issued a stop payment against which came after I contacted then and I have it in my personal possession and the other one I cashed. I have been trying to resolve this since XX/XX/2022. I received a dispute letter from them XX/XX/2022 saying they'd get back to me in 90 days and I've heard nothing and I've called and have all of the documentation to support my claim. They have been reporting me to the credit union as late and non payment and my credit score has dropped tremendously. Everytime I call I get rerouted and they say they are going to take care of it and they don't. They have ruined my credit. Please get them to do something about this and correct my credit as they have ruined it.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all the inaccurate accounts below be updated immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 NumberXXXX  Account Name XXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a 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 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete hard inquires bureau - Transunion XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XX/XX/XXXX Bureau - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bureau - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-04
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. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's report.
Consumer complaint received 2023-05-04
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means XXXX XXXX  a financial institution has disclosed nonpublic personal information to nonaffiliated third parties Equifax, XXXX and XXXX. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-06
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. (IA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Original XXXX : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : {$3000.00}
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Follow up disputes that in process. XXXX service rep advised me to send. Police report which is consider additional information to remove items shown on credit report. 2 accounts XXXX XXXX XXXX who l have already sent copies police reports identity theif name was exspose across black Webbiite addition ld attached with copy bill recent bill social security
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with EXPERIAN 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.

EXPERIAN 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 1002 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (FL)

In a accordance with the fair credit reporting act this account below has violate my federaly protected consumer right to privacy and confidentialy under 15 USC1681 account name XXXX XXXX and my account number is XXXX According 15 USC1681s-2 ( a ) ( 1 ) a person-shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inacurate