davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (FL)

I have already so many times reached out to the following account below and talked to them about the issue with my account as reported by the RADIUS GLOBAL SOLUTIONS LLC. They have advised me again that they will delete this on account on my credit reports right away due to unverified and inaccurate information reported, also the fraudulent account will be deleted, however, as I reviewed my recent report, the account mentioned are still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the information that is being shown in my report. I have filed an FTC report on this complaint with the FTC report number XXXX to support this complaint.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

The following details requested by XXXX on CFPB filing # XXXX, The proof of delivery was already submitted in the previous filing. Company response for additional proof is attached. 

TheXX/XX/XXXXnumber that XXXX has already secularized will be provided in court for proof of the securities fraud being conducted. 

Should company continues to deny receipt and does not deliver the title of VIN # identified in the Purchase Order attached, the filing in equity court for resolve will pursue.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Attached are letters that I sent to the Credit Bureau informing them that the according to the Statue Of Limitations, the debt should no longer be reporting on my Credit Report, but it is and it's lessing my chances of Refinancing.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (NY)

these inquiries i have no idea of. XXXX XXXX Via Dealer XX/XX/XXXX, XXXX XXXX Via Dealer XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed with Equifax and sent them my FTC report and they said inquiries are factual. XXXX telling them that I did not authorize these inquiries and they still have it on my report. They have my FTC report and identification on file.
Consumer complaint received 2024-02-06
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. (GA)

I have constantly disputed these inaccurate accounts and have asked for verification. The only thing that keeps coming back is saying accounts are verified with no proof or documentation showing otherwise. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

I opened a business checking account with XXXX XXXX. The terms and conditions say that if I maintain an average daily balance of {$10000.00} or more for 90 days and complete XXXX qualifying transactions that I will receive a {$500.00} bonus. I deposited {$10000.00} on the day I opened the account in the branch and my balance never went below {$10000.00}. I completed XXXX qualifying transactions by making purchases with my debit card. On XX/XX/year> a {$300.00} bonus posted to my account. This is not what we agreed to. The promotional code was provided to the banker on the date of opening the account and I have a hard copy that was handed to me by the banker.
Consumer complaint received 2024-07-15
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: Bread Financial Holdings, Inc. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request.

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to formally dispute the accuracy of information that CAPITAL ONE has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for CAPITAL ONE to furnish my information to creditors or obtain my information from other sources. 

Upon reviewing my credit report, I have noticed entries that suggest CAPITAL ONE has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.
Consumer complaint received 2024-07-13
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

This company ran my credit without my approval, I have no knowledge of who these people are and why they were inquiring about my credit. I gave them a call so that I can get more information and they could not tell me why they were appearing on my credit file.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX. My birthday is XX/XX/XXXX. My account number with Citi bank is XXXX. The last XXXX of my social is XXXX. The email associated with my Citi bank account is XXXX. the last working citi debit card I had was XXXX expiration date XX/XX/XXXX and security code XXXX. 

My new phone number is XXXX XXXX XXXX In early XX/XX/XXXX I requested a name change request form in accordance with my XXXX XXXX from Citibank. Citibank abruptly closed my account and stole all my money for over XXXX days. They kept lying they would admit to why they closed my account and send my check. They never sent my check of XXXX. 

I have XXXX XXXX from Citi bank 's XXXX XXXX they XXXX XXXX to in XXXX. In XX/XX/XXXX I went inside the XXXX XXXX branch of a Citi bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the night before. Citi bank refused to stop the card on that day and threatened to call police on me from reporing crime. The XXXX turned out to be XXXX XXXX with XXXX XXXX. My XXXX XXXX XXXX on XX/XX/XXXX by their associate, XXXX XXXX with XXXX XXXX. XXXXXXXX XXXX was shown on XXXX XXXX aka XXXX XXXX ' social media, XXXX of their XXXX accounts, the person who had stolen the card that citi refused to put a stop on even though I begged them to stop it because I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am now XXXX and being XXXX because Citi bank has stolen my XXXX XXXX XXXX XXXX XXXX  etc money these past over XXXX months since my account was closed. I have an XXXX XXXX on the XXXX and expect to XXXX XXXX XXXX transportation because I have no other way to pay rent if Citi does not get my check to me in time of my XXXX it froze/closed. I can not be transported due to that my XXXX XXXX XXXX XXXX XXXX XXXX and that my head has already been squeezed off partially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX All transportation is fraud and XXXX XXXX XXXX XXXX XXXX XXXX 

Citibank must send my XXXX check overnight to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MD)

I am writing regarding my CITI credit card account ( ending in XXXX ), which I opened on XX/XX/XXXX, with a credit limit of {$4000.00}. The account was closed on XX/XX/XXXX, and my last payment was made on XX/XX/XXXX. Despite the balance showing {$0.00} and no monthly payment required, the account is still reported as Derogatory and negatively impacting my credit score. 

As of the most recent report on XX/XX/XXXX, the accounts status remains derogatory with no clear explanation for the worst status noted as Unknown. I believe this is an error, as the account balance is settled, and no further payments are outstanding. 

Request for investigation : In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. I am aware that you are obligated to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be expunged from my report. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This is my several 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. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
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. (SC)

I have asked 9 times verbally over the phone and three times in writing to remove all dispute wording from my credit reports. I cant get an equity loan with my home lender until this takes place. This has caused an economical hardship for me and my family.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-06-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC (NY)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the law firm XXXXXXXX XXXX XXXXXXXX for their role in attempting to wrongfully evict me from my home on behalf of their client, Selene Finance. I believe that XXXXXXXX XXXX XXXXXXXX XXXX  actions in enforcing this eviction are in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). 
XXXX XXXX XXXX XXXX conduct appears to violate the following provisions of the FDCPA : Section 807 - XXXXXXXX XXXX XXXXXXXX have made false representations about the status of my debt and their right to proceed with an eviction, despite being informed of the ongoing investigation into the foreclosure 's validity and the evidence I have provided challenging the lawfulness of the foreclosure. Their client has sent monthly mortgage statements and accepted monthly payments, Since spring of XXXX. This was deceptive and presented a false sense of security. 
Section 808 - XXXXXXXX XXXX XXXXXXXX have engaged in unfair practices by attempting to evict me without properly considering the evidence I have presented and the previous servicer 's commitment to review the foreclosure. They have continued to pursue the eviction despite being made aware of the irregularities in the foreclosure process. 
The pertinent facts of my case are as follows : My home was previously foreclosed on, but I believed the eviction was postponed when I started receiving mortgage statements from Selene Finance six months ago, years after the foreclosure sale. 
The previous servicer, XXXX, stated in response to a prior complaint that they would review the foreclosure based on information I provided, which showed payments made and insurance money received for a total loss house claim. I rebuilt the house using my own funds. ( See attached documentation ) XXXX confirmed that all relevant information had been forwarded to Selene Finance to stop the eviction pending further review. ( See attached correspondence ) I have informed XXXXXXXX XXXX XXXX of these facts and the ongoing investigation into the foreclosure, but they have disregarded this information and continued to aggressively pursue the eviction on behalf of Selene Finance. ( See attached correspondence with XXXXXXXX XXXX XXXXXXXX ) I request that the CFPB investigate XXXXXXXX XXXX XXXX XXXX  practices and their collaboration with Selene Finance in this matter. I ask that the CFPB take appropriate action to ensure they cease any wrongful eviction attempts and comply with all applicable federal laws and regulations. 
Furthermore, I am considering filing a separate complaint against XXXXXXXX XXXX XXXX with the state bar association for potential violations of professional ethics rules in their handling of this matter. 
Thank you for your attention to this complaint. I have attached relevant documentation to support my allegations and am available to provide any additional information needed. 
Sincerely,
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I am writing to request an increase on my FNBO credit card. I love my business credit card and the credit limit that I was started with. It has helped me scale my business. In the last 2 years I've been with FNBO I unfortunately have not received a credit limit increase. My current limit is insufficient to cover my potential monthly business expenses. My payment record with First National Bank of Omaha is perfect and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$15000.00} to {$20000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX  which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am hoping to hear a favorable outcome from FNBO. Please contact me if you need any information to expedite this process. I am looking forward to your reply. Also attached is my bank statement to show that I am more than capable of making my monthly payments.