davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I paid my card off XX/XX/year>. I got a text on my phone from community bank saying to call them so I did. I looked at my account online from them and it says I owe {$87.00}. I called and they explained I had an interest charge and late fee. I said Im not paying {$87.00}, I paid my account off and the lady said she would help me and I said ok but Im not paying {$87.00} and she told me to listen to her shes trying to help me and I said ok and she said she could get it down to {$73.00}, I said Im not paying {$73.00}, I will pay the interest charge that I had that made me have the late fee and whatever else fees were on there to make it {$87.00} and thats it. I said who can I talk to to get this resolved and she said I will get a supervisor that can help you better with this and she put me on hold and in a minute or 2 the phone hung up on me. I called back and the lady started talking to me and I couldn't hear her so I said I cant hear you and I said it 2 or 3 times and then when I could hear her I couldnt understand her because her accent was really heavy so I said I cant understand you and she talked a little louder and said can you hear me and I said I can hear you but I cant understand what you are saying. So she asked me if I wanted something and I heard transfer so I said I still cant understand you but I heard transfer so yes please transfer me, she put me on hold and after a few minutes someone got on the phone and was talking really fast and I couldnt really understand them but then the person said can I get the name on the account which I told him and then the person said you owe this much are you going to pay it today and I said I know you know who I am because you are being rude to me and the person hung up on me. This was on XX/XX/year> that I called. I havent received any bills or texts or phone calls/ messages from them at all since I paid off this credit card but when I owed them money I got a call and text several times a day so why didnt I receive a bill in the mail or a text or call/ message that I owed the interest.
Consumer complaint received 2024-05-02
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

According to15 U.S. Code 1681c-2. This is my statement that the listed inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.
Consumer complaint received 2023-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I need some serious help. I have worked in non-profits and government for 15 years. I submitted my application for PSFL in XX/XX/XXXX via USPS. Mohela lost the first page of my paperwork- the page with my signature, and demographics. I called them in XXXX to see the status of my application to be told that the paperwork was not there- but I could submit my signature electronically. I did. I signed the first page and uploaded it to the website. Radio Silence from Mohela again- I call in XXXX to be told we don't except that type of electronic signature ( even though they told me to sign it electronically ). I then resubmitted my signed paperwork via email by tagging a supervisor directly in my email subject on XX/XX/XXXX at XXXX XXXX They lost that paperwork too. I am waiting to speak to a supervisor but the entry-level guy told me I was never instructed to email paperwork. Then how did I get the supervisor 's employee id? 
This has been XXXX trying to get my paperwork processed by Mohela. I submitted my paperwork in XX/XX/XXXX and it is now XX/XX/XXXX and they are still giving me the run around. Please help me!!
Consumer complaint received 2024-05-02
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX of this year a user online agreed to sell an anime figure to me. After XXXX weeks of asking for an update, I got ignored and when i asked for a refund I was blocked on every social media platform from them. I reported it to my bank but 90 days later they decided to side with the " merchant. '' When I asked who was the merchant, paypal or the scammer the bank insisted they didn't know, and took back my credited money.
Consumer complaint received 2024-05-02
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report today. XX/XX/XXXX, I noticed the information given is incorrect and is affecting my credit score. According to the fair credit reporting act, whenever a credit reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy. The accounts displaying inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable belief the information is inaccurate.
Consumer complaint received 2024-05-02
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. (IN)

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (VA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$130000.00}
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, Experian, and XXXX about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. I am a XXXX XXXX currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.
Consumer complaint received 2024-05-02
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. (AL)

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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-05-31
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-04-27
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: CREDIT ACCEPTANCE CORPORATION (NY)

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) Credit acceptance coorparation has been notified of this injustice on my account and still refuses to take any action to right this wrong. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-02
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-13
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)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-02
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. (CA)

I've lost track of the numerous letters I've sent to your bureau regarding my identity theft status, as my concerns remain unresolved. Once again, I'm disputing the fraudulent information adversely impacting my credit file. 

XXXX XXXX XXXX XXXX. 

Despite filing the required FTC complaint, your bureau persists in reporting this fraudulent account on my credit report. It's important to note that I've already contacted the banks linked to this account, provided necessary documents, and had the account promptly deleted from their records. 

Furthermore, other credit bureaus have already removed this account following the FTC complaint submission. Thus, I'm puzzled about the verification process your bureau employed to continue reporting these fraudulent account.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$940.00}
Consumer complaint received 2024-05-02
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. (CA)

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 party. They in fact did not come from a XXXX party. 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint against XXXX and Experian, two of the three major credit reporting bureaus, for denying me access to my credit report despite my repeated requests. 

I have been trying to obtain a copy of my credit report from both bureaus, but they have refused, citing ongoing disputes the reason. I understand that disputes may need to be investigated, but I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) The FCRA explicitly grants me the right to obtain a copy of my credit report, and disputes should not be a reason to deny me access. I am concerned about the accuracy and completeness of my credit report, and I need to review it to ensure that it is up-to-date and reflects my credit history accurately. 

I request that the CFPB take immediate action to : XXXX. Investigate this matter and require XXXX and Experian to provide me with a copy of my credit report. 
XXXX. Ensure that both bureaus comply with the FCRA and do not deny consumers access to their credit reports due to ongoing disputes. 
XXXX. Take appropriate enforcement actions against XXXX XXXX Experian for violating my rights under the FCRA. 

Additional Information : My credit report is essential for me to monitor my financial health, apply for credit, and make informed financial decisions. 
I have tried to resolve this issue with both bureaus, but they have refused to provide me with a copy of my credit report. 
I believe this is a systemic issue, and other consumers may also be facing similar challenges. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/year> I was emailed that my robinhood account would be restricted. I emailed and called them several times trying to figure out why and all that I was told is that I would have a response from the robinhood team by XX/XX/year>. I received an email on XX/XX/year> stating that after reviewing my account they will be closing my account. I had no idea why so I emailed them and they said for suspicious activity but I had done nothing out of the ordinary. All that I was told was that it can happen when the activity violates their Customer Agreement, or when we exercise the right to close your account as disclosed in our terms and conditions.. I am very shocked with their actions and need help. I have money in the account still and am very worried they will loot me out of my funds that I have earned.
Consumer complaint received 2024-05-02
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. (CA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.