davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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: CITIBANK, N.A. (NY)

The bottom line is I am being charged {$6300.00} for money I never received from a flex loan from my Citi Thank You Preferred card. Here are the facts : In XXXX I applied for a flex loan of {$6300.00}. When I received an email stating that it was approved, I saw online that the money had not been deposited into my account, but that I was being charged for it on my credit card. I called customer service and spoke with a supervisor in Kentucky, who said the money had been deposited into my account. When I insisted that it had not, she asked for my checking account number and verified that I was indeed correct. She then told me she would launch an investigation into the issue, but she said she could not remove the charge at that time. 

After several more phone calls over the next few weeks, with everyone agreeing I did not receive the money, I told Citi to please cancel my loan application. I no longer wanted the money ; I just wanted the charge removed. To my delight the loan and the charge were both cancelled the next day. 

Unfortunately, that is not the end of the story. When I checked my account online on XX/XX/XXXX, I saw that the credit of {$6300.00} that had been issued to my account was reversed, and I was again being charged for money I never received. I Citi again and spoke with XXXX who told me to check with my branch, but after conferring with a colleague, told me the investigation is ongoing, and that it is Citi 's practice to reverse a credit if it is not resolved within a certain amount of time. 

Since then, I sent a letter to my broker, who said he sent it on to the right people, phoned Citi several times, and spoke to XXXX ( supervisor ) in XXXX. She promised to get back to me but never did. 

Yesterday, XX/XX/XXXX, I received a letter from Citi stating that they can not cancel the flex plan because it was already processed. I phoned Citi and spoke to XXXX, who was lovely and promised to get my information to the right people and ask them to get back to me. 

I am also being charged interest on this non-existent loan, and the charge has been reported to the three credit reporting agencies. I did register a dispute with the three agencies on XX/XX/XXXX.
Consumer complaint received 2024-05-14
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. (DE)

I am submitting this CFPB Complaint for the 1st time to follow up the addressing of the specific inquiries, in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft The Inquries are Bellow : 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 Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX
Consumer complaint received 2023-11-17
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. (NY)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2024-06-26
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. (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TN)

I made a phone payment to tirediscounters/Synchrony bank using my XXXX checking account on XX/XX/2024. Hours later a Palpal instant payment was charged to my checking account for {$4.00} to a gaming company XXXXXXXX XXXX XXXX. I alerted XXXX bank of the fraud payment . I removed most but not all of the funds from this account. On XX/XX/2024 another charge was posted for {$49.00} from XXXX XXXX again through Paypal. I contacted XXXX bank to report the fraud payment. 
I contacted Tirediscounters/Synchrony bank to report this issue, Synchrony bank states that they show no phone call to a person, their system shows only an automated payment only. 
Paypal does not have my XXXX banking information in their system.
Consumer complaint received 2024-03-01
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 2024-04-25
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: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against Experian for their repeated failure to respond or resolve my dispute within the mandated XXXX timeframe, as well as the numerous inconsistencies and inaccuracies in the reporting of my credit information, specifically regarding the account with XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX. 

Despite multiple attempts to address the discrepancies in my credit report, Experian has continually neglected to provide a timely resolution to my dispute, thereby violating my rights under federal law. This prolonged delay has resulted in significant financial hardship and undue stress. 

Furthermore, I am disputing the egregious inconsistencies being reported by Experian regarding the XXXX XXXX XXXX XXXX account. The discrepancies in last activity dates, on-time payment percentages, and the number of reported late payments between Experian, XXXX & XXXX XXXX XXXX and unacceptable. 

I demand an immediate escalation of this matter and a thorough investigation into all discrepancies related to the XXXX XXXX XXXX XXXX account. I insist on being updated at each step of the investigation process and provided with documented proof of any and all late payments reported by the creditor. If no proof can be provided to me please do not verify late payments and adjust my account as " paid on time '' It is imperative that Experian takes prompt and decisive action to rectify these inaccuracies and ensure the accuracy of my credit report. I demand that the XXXX XXXX XXXX XXXX account be thoroughly investigated and either corrected with documented proof of any late payments or removed from my credit report altogether. 

Failure to comply with these demands will result in further action, including legal recourse if necessary. I expect a prompt and comprehensive response to this complaint, outlining the steps Experian will take to address these issues and restore the accuracy of my credit report. 

Attached is my initial dispute which is over 30 days, proof of my identity, and proof of inconsistencies and inaccuracies made by the creditor.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (NC)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$2400.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX Balance : {$9100.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-05-12
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. (GA)

I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with XXXX and Equifax. The accounts in question are XXXX XXXXXXXX account number XXXX ( XXXX ), Capital XXXX account number XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 
I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How and Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute. 

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, The deletion or blocking of accounts due to a data breach and unauthorized inquiries is governed by FCRA Section 605B ( 15 U.S.C. 
1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which stem from a data breach or fraud incident. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I never authorized these actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act 's Section 605B and Section 604. I have already contacted the relevant companies and found that these actions were initiated without compliant validation or original proof from any of the reporting entities. Listed below are the Personal Information that are being challenged Incorrect Previous Address : 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  Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK The information provided above does not appear to meet any certified reporting standards and may be unreliable. I kindly request that any incorrect, incomplete, or unsupported material be removed from the record. Furthermore, I would like to draw your attention to the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwhich highlights additional areas of concern that need to be addressed.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

The Fair Credit Reporting Act 15 U.S.C. 1681 Section 802 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. With that said- XXXX and XXXX are Consumer Reporting Agencies and I am the Consumer. I as the consumer have the right to make sure my privacy information isn't shared which is back by 15 U.S.C. 6801 that states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. Discover Financial Services is a financial institution by definition under that specific title. Furthermore, 15 U.S.C. 1681 Section 401 ( a ) ( 2 ) states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institution Discover Financial Services and the consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish any information in regards to the DISCOVER BANK account ending in XXXX and they surely do NOT have my written consent either. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 U.S.C. 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. Discover Financial Services never informed me of my rights to exercise my nondisclosure options. Not only that- 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 ''. This account is an adverse item that they are reporting without my permission which is against the law. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states " 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. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at any time. '' This is your notice that I am opting out of your reporting services.
Consumer complaint received 2024-04-25
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. (GA)

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/XXXX )
Consumer complaint received 2023-09-20
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. (PA)

XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/XXXX )
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NE)

From the moment Specialized Loan Servicing assumed my loan, the companies only intention was to foreclose on a distressed property of a single, XXXX woman. 

Although, the company professes to support XXXX homeownership online, it is purely virtue signaling, as this company has had no other intention than to foreclose on my property, which is a short 7 minute drive to XXXX XXXX family home. 

Lik

e vultures in for a kill, they have done all they can to consume my time and energy while running up delinquent payments and forcing me into a unfavorable home loan modification. The enclosed index of statements documents from SLS website demonstrates that although I had applied for a mortgage modification prior to SLS assum
ing my loan from XXXX  XXXX XXXX and XXXX in XXXX, XXXX ; it was literally several months if not more than a year before Specialized Loan Service acted on my RMA. 

I have enclosed an RMA from XX/XX/XXXX. A full two years after I filed my original RMA. 

Additionally, you can see from the index that my account was in a constant state of reassignment of customer representatives. This created a constant renewal of the story with each agent, as if I had never contacted the company. Agents do not seem to keep track or document customer events, as well, there is a different agent each time one needs to speak to the company. 

Customer service agents also do very little to explain, clarify or assist homeowners in home affordability.