davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AZ)

I opened a one-year CD online in XX/XX/XXXX under a PROMOTIONAL APY of 4.15 % for {$50000.00}. It was on their website several weeks in XXXX and XXXX. My statement reflects 4.00 %. I contacted Citibank 3 times to get this resolved. I contacted them on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this issue. This was a Promotional APY if you open the account online so I don't have anything showing the Promotional APY other than documenting the APY on my spreadsheet when I opened the account. Each time, they told me to wait for a reply XXXX days until they are able to review the case and get a resolution, but to this date, I've heard nothing back from Citibank. Each time I've spent over an hour on the phone with a customer service rep and a manager to resolve this issue. As of today, I've had no response from Citibank and will not spend any more time on their poorly run customer service.
Consumer complaint received 2024-04-09
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. (IL)

CFPB Writeup : 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 2023-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MN)

I purchased a refrigerator from Home Depot in XX/XX/XXXX. At the time, the store clerk offered me 0 % interest for one year if I opened a Home Depot credit card. I agreed, met the credit requirements, was offered a credit card account, accepted that offer, and then purchases the refrigerator on the newly-created Home Depot credit account. I then set up automatic minimum monthly payments and set a reminder on my personal calendar for XX/XX/XXXX ( when I was told the promotional rate would expire ) and then checked statements and the account to ensure payments were being made correctly and on time. After several months, everything was working fine. I still continued to ensure payments were being made, but had no correspondence with Home Depot ( other than statements ) and made no effort to reach out to them because I saw minimum payments were being made. In XXXX, after the reminder on my personal calendar, I logged in to find that interest began accruing on my account in XXXX ( 6 months before I was told it would ). I contacted Home Depot customer service and have spent several hours with them on the phone as they attempted to simply connect me with someone who had the capacity to adjust my account to match the original terms of the agreement. The customer service representatives have told me that they can only make adjustments back for 2 billing cycles, and since I waited longer than that, they can not help me ( note that the promotional periods are in 6 month increments, and there is no explanation why Home Depot has this constraint ). They have also said there is no number I can call other than the general customer service line to avoid longer wait times. 

I have made several attempts to resolve this through the secure message feature on Home Depot 's account website, as well as either answering or calling customer service on at least a dozen occasions. Home Depot has made no real effort to address my concerns, and at this point has reported my account as delinquent with credit agencies. I think this constitutes defamation and is impacting my ability to engage in business activities for a sole proprietorship I own. My credit score has been above XXXX, and often over XXXX, until this dispute.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2023-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I've highlighted the inconsistencies and inaccuracies in the account information provided from the three credit bureaus : XXXX, XXXX, and XXXX. 

Date Opened : There is a discrepancy in the Date Opened across the three bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Reported : There is a discrepancy in the Last Reported date between XXXX and the other two bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : There is a discrepancy in the Date Last Active across the three bureaus. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These inaccuracies and inconsistencies may violate the Fair Credit Reporting Act ( FCRA ) provisions. In particular, they violate Section 611 ( a ) of the FCRA, which states that a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate when a consumer disputes the accuracy of information in their credit report.

Given that the collection agency has verified the inaccurate information, the credit bureaus are now in violation of Section 623 ( b ) of the FCRA, which requires a furnisher of information ( in this case, the collection agency ) to conduct an investigation upon receiving notice of a dispute from a consumer reporting agency and report the results back to the consumer reporting agency.
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (NJ)

I am a natural person ; I am a living human being.

I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and i DID NOT give Equifax written permission to furnish these accounts. 

ACCOUNTS Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : DEPT OF EDXXXX XXXX Account number : XXXX Account name : US DEPT OF EDXXXX XXXX Account number : XXXX Account name : unknown Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-04-09
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. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range.XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$260.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I keep disputing these bills I have no idea are from especially the ones that are from a hospital in XXXX  when I had moved to XXXX XXXX  6 to 8 months before the date of the hospital bill says I was seen there. I never went back to XXXX until this past XX/XX/XXXX I moved to XXXX  in XXXX so it was not me at a hospital in XXXX  at the time they r saying I was there
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I purchased some items from a store and we financed with Synchrony Bank. The Sales person placed some orders without my knowledge or consent. I have reached out to Synchrony Bank to provide me a copy of my contract and they have refused. I have requested this multiple times and have been denied any copy of my application, contract or any proof of the transaction, where I signed for these item. I did not sign on these items and I did not authorize this purchase. Synchrony bank refuses to investigate this issue. 
I have text messages with the sales rep to prove I did not authorize these purchases and never had any knowledge of them. I placed all my orders in XXXX, and these other orders that I did not place were placed in XXXX that amount to {$1400.00} The company or bank have both refused to take action on this. 
I have attached a photo with the sales rep where it shows I received an email saying there was an order placed and he let me know it was cancelled, which was not the case.
Consumer complaint received 2022-09-08
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. (FL)

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX Bank XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2024-04-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP (NM)

Cawley and Bergman bought a loan debt from XXXX XXXX that was a result of identity theft. I called XXXX XXXX. They refused to provide the email address of who applied, what bank it was deposited into, phone numbers etc. They said once an acct is sold all that information is purged. Cawley and Bergman refuse to answer calls.
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX  XXXX XXXX DATE OF INQUIRY : XX/XX/year>
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please need to resolve NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Ive already written to you guys asking for documentation of the investigation I demanded. How many times do I have to write to your team asking for this proof? It shouldnt take this long to send the paperwork that I asked for. Is your printer broken? 
I dont know how else to prove to you that I'm 100 % serious. 
I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrect. 
XXXX XXXX - XXXX- Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrEct
Consumer complaint received 2023-11-08
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. (KS)

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 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 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VI)

I had a loan with XXXX XXXX, XXXX XXXX which was opened on XXXX of XX/XX/XXXX and closed on XXXX. I had written the bank a letter as I was instructed to do by a bank officer, informing them that I was going to be admitted to the hospital in XXXX thru XXXX of XXXX to begin a operation on XXXX XXXX then the second one will be done on may thru XXXX of XXXX. I felt that the bank would had honored their commitment since that they were informed in writing but to my surprise I was sadly mistaken that the missed payments show up on my credit report for the times that I was hospitalized. I have been asking the bank to be responsible and correct the mistake or have it remove from my credit report altogether but instead they removed the account with the perfect payment history and left the derivative one that they should have fixed. I am very sad and heartbroken that a banking institution of this magnitude would not do what is right. I am hereby asking the bank to correct its mistake so that I can move forward.
Consumer complaint received 2024-01-04
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. (PA)

I took a look at my credit reports and I noticed that there were some unauthorized inquiries. I have sent a FTC report and I haven't gotten a response nor a deletion of these inquiries. I then submitted another FTC report to remove these inquiries as it is identity theft. Pursuant to 18 U.S. Code this is Aggravated Identity Theft because these agencies have been made aware of the situation and they did not take action in correcting this issue.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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: SYNCHRONY FINANCIAL (FL)

Sychrony Bank  sold a PayPal Cashback Mastercard  account ( with XXXX different account numbers : XXXX & XXXX ) to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I was alerted by XXXX that XXXX had reported the collection debt to XXXX in my name ( XXXX XXXX ). I contacted Synchrony to dispute to the collection debt and Synchrony Bank did not approve my fraud claim. I sent a letter ( dated XX/XX/XXXX ) to Synchrony Bank containing evidence to prove that my PayPal account may have been compromised on XX/XX/XXXX, the day the PayPal Cashback Mastercard was approved in my name. I don't recall making any purchases with the card in question, but I did make payments on the card, because I thought I was making payments on my Synchrony PayPal credit account ( # XXXX ), which was closed and paid in full on XX/XX/XXXX. Synchrony has not sent me any documentation to prove that I applied for the PayPal Cashback Mastercard and/or made purchases with the card. I hope CFPB can help resolve this matter in my favor, so the collection debt in the amount of {$3000.00} can be removed from my credit file. Thank you.