davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX. They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-20
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-09-18
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. (NV)

Someone I was seeing, dating, took my credit card without permission. This card was used for a number of purchases and services. When I received my statement, I notified Citibank, NA of the charges. I also wrote them according to their dispute rules. Citibank, NA ruled that the charges were by an authorized user. I requested receipts of the transactions and additional information related to their dispute process. This was not provided. 

I have mailed no less than 7 letters to Citibank regarding these unauthorized charges. They have since reported to the credit agencies that this is a delinquent account, which is not true. Citibank has failed to respond related to the dispute of the unauthorized charges since their decision letter. I asked for appeal process and arbitration information. It was not provided. 

These charges are from XX/XX/2023, in the amount around {$1400.00}.
Consumer complaint received 2024-04-26
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-19
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. (VA)

I was in their XXXX, Tx store in XX/XX/2023 and the sales person pulled the product I requested from the stock in the back of the store and wrapped it up and bagged it after I purchased it to have me pick up later. After picking it up I immediately put it in my suitcase to fly home back to Virginia. The store has wrapped it in tissue so I never saw the product until I got home. After arriving home I unwrapped it to find she had pulled a duvet cover instead of a set of sheets from the back of the store. I called the store and they sent me a label to return it. I then purchased two sets of sheets over the phone from her and returned the duvet via the mail. The sheets were now purchased on a new billing statement with the Frontgate card. Front gate initially tried to give me store credit but I got that corrected and they credited my Frontgate Card instead. Then I called the Frontgate CC to tell them what happened twice and that I did not have a balance due for that statement. The statement credit was there. They have been contacting me every day via phone calls and emails, texts too telling me my account needed attention. I called them again and explained yesterday. They even had waived the late fee as there is no balance for that statement. The two sets of sheets were purchased on the next statement and that balance is due on XX/XX/XXXX that I will pay in full. I am still receiving emails from them after the XXXX call. Why would I owe them a payment on a purchase that the store made an error in and was returned? 
I believe this is harassment as they are still trying to get me to pay for this product that I never received and returned the product sent in error..
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-20
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. (VA)

This is my 5th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-10
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: American Credit Acceptance, LLC (IL)

am writing to bring to your attention a concerning issue regarding unresolved disputes on my credit report. Despite filing several disputes, these items persist on my report without my consent, causing undue distress and potential harm to my financial well-being. 

I have diligently followed the necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute inaccuracies on my credit report. However, despite my efforts, these disputed items have not been adequately addressed or removed, as required by law. 

The persistence of these disputed items on my credit report not only affects my ability to secure favorable financial opportunities but also undermines the integrity of the credit reporting system. It is essential that credit reporting agencies uphold their responsibilities to investigate and correct inaccuracies promptly and accurately. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that my disputes are thoroughly investigated and resolved in accordance with the FCRA. Additionally, I request that measures be taken to prevent similar occurrences in the future, thereby safeguarding the rights of consumers and maintaining the integrity of credit reporting practices. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report
Consumer complaint received 2024-05-10
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: ALLY FINANCIAL INC. (GA)

I have hard inquiries on my credit report that I didn't authorize, I have filed a FTC report as of XXXX XXXX The inquiries are Ally Financial, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I received a statement from MOHELA on XX/XX/2XXXX  claiming that I have a past due balance of {$370.00} and {$370.00} current due. I did not receive any billing statement for XXXX therefore I should not have had a past due balance. The statement for XXXX was not received 21 days before the amount pursuant to 15 U.S. Code 1666b. I did notify MOHELA promptly of this error. 

I then received a statement from MOHELA on XX/XX/ claiming that I have a past due balance of {$740.00} and {$370.00} current due. I did not receive any billing statement for XXXX. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. I did also notify MOHELA promptly of this error. 

On XX/XX/ I received 3 letters from Mohela dated XX/XX/ with statements for XXXX, XXXX and XXXX. The billing errors were never corrected, they only printed out new statements. I have been adversely affected by this company 's negligence in this and another matter that I will address in a separate complaint. My credit score dropped XXXX points and it cost me to lose out on a deal that I would have entered into with {$24000.00} in equity. I have suffered financial harm and emotional distress.
Consumer complaint received 2024-05-23
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: BARCLAYS BANK DELAWARE (CA)

I had fraudulent purchases made on my XXXX account for tickets I did not authorize. 
My XXXX account was hacked and they used my credit card that was linked to the account. 
I received an email about the purchases and mediately contacted my credit card company and XXXX. 
My credit card company took the charges off. XXXX cancelled my account and sent me an email stating that I would not be responsible for any fraudulent purchases. 
Three months later after my credit card company did a fraud investigation, when they contacted XXXX, XXXX told my credit card company that the charges were valid. 
When I contacted XXXX they told me I would have to tell my credit card company to resubmit the dispute. 
When I contacted my credit card company, they refused to resubmit the dispute. 
When I did a XXXX search, I find that this has happed to many XXXX accounts
Consumer complaint received 2023-06-05
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. (TX)

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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-05-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (VA)

On XX/XX/XXXX I submitted an application for loss mitigation for my home. Over the last three months I have sent in all requested documents. On XX/XX/XXXX I called to ask about the status of my request. The agent informed me that the profit and loss statement submitted ( my husband is a XXXX ) was only for two months and the underwriter has asked for corrected profit and loss statement that covered XXXX XXXX XXXX The updated profit and loss statement was emailed on XX/XX/XXXX. On XX/XX/XXXX I was informed the underwriter required XXXX and XXXX bank statements for myself and my spouse along with a copy of my child support order. On XX/XX/XXXX I emailed my XXXX and XXXX bank statements along with a copy of my child support order. On XX/XX/XXXX, I emailed my husband 's XXXX and XXXX bank statements along with my bank statements again to reflect proof of child support deposits. After this the portal showed my package was under review. On XX/XX/XXXX, I looked in the portal and noticed that there was a request again for paystubs due on XX/XX/XXXX. I submitted the paystubs via the portal and the next message was my hardship application was closed. I called XXXX on XX/XX/XXXX and was informed that they needed updated paystubs for me and that my review was still open. On XX/XX/XXXX I emailed over my paystubs going from XXXX XXXX XXXX I was assured again that this was all that was needed. On XX/XX/XXXX I get a notification that my home is in active foreclosure and XXXX closed their review on XX/XX/XXXX. When I called I was informed it was because I did not submit paystubs for my husband. My husband is self-employed and XXXX is aware of that. The loss mitigation application is marked that he is self-employed, we included our tax returns with the schedule C form ( at XXXX 's request ), we also included the profit and loss statement ( at XXXX 's XXXX ) and the bank statements showing where his pay from work with a company is deposited ( also a XXXX 's request ). When I spoke to XXXX different agents it appears that the underwriter is under the impression that my husband is a XXXX employee despite it being notated several times that he is a XXXX employee.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-20
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. (MI)

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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC (CA)

my personal information is being associated with negative items. The specific items are the following XXXX XXXX XXXX act. # XXXX {$440.00} ( XXXX ) XXXX XXXX XXXX XXXXXXXX # XXXX {$270.00} ( XXXX ) XXXX  XXXX # XXXX {$310.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX {$850.00} ( XXXX ) I have included the Collection office, account number, amount in question, original merchant name.

These four items belong to an address with which I am not associated to. Also, 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.

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 an 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.