davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I write to express my extreme frustration and disappointment with your persistent failure to rectify blatant inaccuracies on my credit report. It has been months since my initial investigation, and the fact that erroneous information still remains is completely unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) explicitly demand the authentication of reported accounts within a reasonable time frame. Your refusal to treat this matter with urgency and produce the necessary proof is an egregious violation of these statutory requirements. I demand an immediate and thorough investigation into the unverifiable items associated with the following account : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Balance : {$31000.00}. XXXX has already demonstrated a responsible and corrective approach by removing late dates and updating the negative status of this account to a positive one. It is bewildering and infuriating that your bureau has failed to emulate this action, especially considering the evident error in the reporting.
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PulteGroup, Inc. (MN)

On Friday XX/XX/XXXXXXXX XXXX  Pulte Mortgage LLC sent us a final quote for our mortgage and cash to close. The terms changed. XXXX XXXX said that the terms did not change. However, they did, and their form confirms that they did change. 

This is a classic case of XXXX and XXXX which is a highly illegal practice that I am almost sure that they do with every customer. They waited until the last moment so we had no chance of going with another mortgage company and switched the terms at the very last moment so our cash to close increased. We will not closed unless this resolved. 

Per the image attached they outright admit that they changed the terms before closing.
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

This Complaint has to do with The ALPHAEON CREDIT CARD, THEIR PRACTICE XXXX XXXX XXXX & COMENITY BANK. 
WHILE HIDING BEHIND A XXXX REVIEW AND TAKING ADVANTAGE OF A SITUATION, IT IS MY BELIEF THAT XXXX EITHER WITHHELD INFORMATION THEMSELVES OR THE ALPHAEON WEBSITE XXXX USED WITHHELD INFORMATION THAT DENIED ME MY RIGHT TO MAKE A VALID FINANCIAL CHOICE. ( My Letters to XXXX XX/XX/XXXX XXXX, REVISED XX/XX/XXXX Letter Dated XX/XX/XXXX & XXXX 's Letter XX/XX/XXXX. 
I'm Asking that XXXX Be Ordered to Credit ALL Monies from the FAKE Account opened By Them Using My Signature on XX/XX/XXXX And Face Penalties for their Actions. That Includes Their Actions of the Morning of XX/XX/XXXX ( My XX/XX/XXXX Letter to XXXX ) That Included Me Opening My Eyes to Witness a Mask-less XXXX XXXX Lightly Coughing in My Face, Putting My Health at Risk.

I Want to State that a One Time Payment of {$300.00} Was Made to COMENITY CAPITAL Bank, Only to Give Me Time to Put Together a Letter of DISPUTE in Which They Responded by Supporting XXXX 's Actions ( CCB Letter of XX/XX/XXXX ). 
Regarding The " Receipt '' Based on the Missing {$300.00} Amount that Would Have Appeared on Their XXXX Statement and the Word Receipt Both of Which Would Have Alerted Me Not to Sign the Piece of Paper. I'm Asking that COMENITY CAPITAL Bank be Ordered to Close XXXX 's Fake Account, Refund Me The {$300.00}, And Their Alphaeon Website be Investigated for Transparency. 
Thank You for Any Help You Can Give Regarding This Matter. 
XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is both distressing and unacceptable that the information listed below has found its way into my credit profile, indicating a failure on your part to maintain reasonable procedures ensuring the utmost accuracy in the credit reports you disseminate. Credit reporting laws explicitly mandate that credit bureaus report only 100 % accurate credit information. I must insist that you take immediate and thorough measures to rectify this egregious error, as every effort must be exerted to guarantee that the information you report is entirely accurate and correct. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}. The presence of this inaccurately reported item is not only misleading but also a grave violation of credit reporting standards. I insist on the swift deletion of this erroneous information. Furthermore, I demand that you supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, provide the name, address, and telephone number of each credit grantor or other subscriber. I was the victim here & im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost XXXX of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2024-01-08
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my XXXX  instructions
Consumer complaint received 2023-09-30
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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
Consumer complaint received 2024-05-07
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 recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$7000.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3800.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$1400.00} XXXX  XXXX XXXX Balance {$2800.00}
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the XXXX, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the XXXX in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-07
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. (GA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance {$790.00}
Consumer complaint received 2024-01-08
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)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block been made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section XXXX XXXX Code XXXX - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

There was a fraudulent account opened in my name for an account I've never had or applied for! I noticed a decrease in score and contacted the agency and they gave 0 understanding of the account! I'd like this account removed immediately from all 3 credit bureaus!
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

XX/XX/24 : I got several emails and a text that a Chime account had been opened in my name. I did not fill out an application and hadnt hear of the company till then. They had all of my information and opened the account. However my credit has been frozen prior. They closed the account when I called. 

This account shouldnt have been allowed to be opened in the first place.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (OH)

I started receiving emails from a company called Chime over the last few days. I received the first email on Friday XX/XX/XXXX welcoming me to Chime. I thought it was likely spam at first, and disregarded the email. However, the next day XX/XX/XXXX, I received an email saying my new credit card was mailed out to me, and one of my old addresses was listed as the receiving address. Then, I also started getting texts and emails asking me to verify my email and phone number. 
I looked up the company, and then reached out to customer service. They said that they would just remove the email, and said that my name wasnt on the account. They didnt close the account, as they kept insisting that the email was likely just a mistake. 
However, promptly after the call, I received more emails and texts stating the email address was changed, and requesting verification that I made the change. 
I promptly called back and had to demand that they explain what was going on. I read the customer service the emails, and then they realized that the account was based on my previous married name, old address and information. Then they agreed to close the account. 
However, they refused to provide me with what information was used to open the account to me. I was extremely upset, and explained I wanted to know if this thief had my SSN, or what they actually used for them to open the account. The rep said she couldnt provide this, but she would send me an email telling me how I could go through one of their departments to get it. 
This is upsetting, as they simply allowed someone to open an account, did not checking on any information, and then wouldnt even provide me with what they used, so I can figure out what is going on. 
They did close the account, and send an email letting me know I wouldnt be charged for any activity. 
However, they did admit that they sent out a credit card without verifying any credit info, or anything of mine, which is highly concerning as well. 
This company should really be investigated and shut down, as this is easily allowing for identify theft like this to occur with no safe guards in place.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Upon reviewing my records, I was surprised to discover some late payments listed. Despite my efforts to seek clarification, I have not received satisfactory validation or explanation for these late payments. This situation has left me feeling frustrated and uncertain abouthowtoproceed.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/year> there was a letter sent to Equifax asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2024-01-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I was contacted by XXXX XXXX around XXXX to XXXX of 2023, prior to being inform by my prior leasing office of where to pay my collections to. After receiving a letter of confirmation about my debt from XXXX XXXX and my leasing office confirming that was the company they use, I set up to submit payments to XXXX XXXX. My debt is over {$3000.00}. 
Ive received a letter from National Credit System , Inc. on XX/XX/2023 for the amount of XXXX. I am very aware under Section 807 of Fair Debt Collection Practices Act. To me, the letter I received is misleading as I dont have the original copy where I agreed to the debt that is being listed. I also have been called more often by scam likely caller posing as debt collectors which is why I asked for all information in writing.
Consumer complaint received 2024-05-07
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. (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 Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I have filed several unauthorized disputes with Chime and when filing the agent said I do qualify for temporary credit to my account while they dispute transactions. They have held my money up and denied some of my disputes. This has caused me to go into eviction and possibly lose my home. I am a single moth to XXXX XXXX XXXX and I'm about to be homeless thanks to Chime for allowing these scammers to take my money when I did not authorize the charges.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

I had a company that I never heard of before come and charge against my old card for {$5.00}. So Sychrony Bank stopped payment and froze the account and told me I would get a card in XXXX to XXXX business days. I got it 7 days later, attempted to activate the new card but online it said to call them, so I did. XXXX wanted me to give them a video of my face and take pictures of my ID. I refused they said it would be XXXX to XXXX days for a letter to get to me. XXXX while I had to cancel a doctors appointment because their card is how I pay for everything then pay them back all at once. I needed this card so I called them the next day saying that I needed the card activated and to send me the way to do the video and pictures. I tried 3 times each time their XXXX computer rejected everything. So here I am XXXX XXXX XXXX, ca XXXX XXXX, need this card to do what I need to do and these so called people are holding this back from me living. I want something done and compensated for their holding me back from using this card!!!! I'm waiting for this letter now!!!!! WHERE IS IT SYCHRONY BANK????