davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (MO)

on XX/XX/2023 I requested the XXXX XXXX, Experian and XXXX, credit reporting to review my file on XXXX XXXX XXXX loans. 

XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 

XXXX nor Experian has not deleted these incorrect items on my credit report file.
Consumer complaint received 2023-12-07
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: WELLS FARGO & COMPANY (CA)

My credit card was used for 4 purchases of XXXX each that I didnt authorize. I have contacted my bank multiple times but they have denied the fraud claims. My did lose my wallet briefly at the gym but it was returned to the front desk so I didnt think much of it
Consumer complaint received 2024-08-05
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)

I looked at my report back on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : [ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXXXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-08-04
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. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (CA)

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter and that didn't happen I haven't even received an email informing me that my consumer dispute letter was disregarded which led to my consumer rights being violated
Consumer complaint received 2024-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (NV)

NCB MANAGEMENT SERVICES ( opened ) XX/XX/year> Amount presented {$5400.00} To my knowledge and understanding this company wasnt the original company the original company filed bankruptcy and closed the amount and this new company picked my collections up and reconsider my debt
Consumer complaint received 2024-05-01
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)

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX  XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Consumer complaint received 2024-05-01
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX ACCT # : XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-01
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. (NY)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-01
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. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-29
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. (TX)

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 informationisinaccurate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2024-05-01
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. (NJ)

I am filing a complaint regarding the mishandling of credit disputes by Experian and XXXX. These disputes concern inaccurate charge-off information reported by XXXX XXXX XXXX XXXX Despite providing substantial evidence contradicting the reported information, the credit bureaus concluded their investigations by simply verifying the data provided by XXXX XXXX XXXX without adequately considering my provided evidence. 

Detailed Account of Dispute and Responses : Initial Discovery and Dispute Submission : XX/XX/year> : Identified discrepancies in credit reports from Experian and XXXX regarding an auto loan marked as a charge-off with an outstanding balance of {$10000.00}, reported by XXXX XXXX XXXX XXXX 
Submitted detailed disputes to both bureaus with supporting documents, including payment records and correspondence with XXXX XXXX XXXX that disputed the charge-off status. 
Credit Bureaus ' Responses : XX/XX/year> : Received responses from both Experian and XXXX. Each bureau stated that after their investigations, they found the information provided by XXXX XXXX XXXX to be accurate and made no changes to the charge-off entry on my credit reports. 
Actions Taken and Documentation Provided : Provided payment histories and detailed chronological correspondences with XXXX XXXX XXXX, attempting to correct the financial records. 
Highlighted discrepancies in the reported balance and status directly to the credit bureaus through formal dispute letters. 
Impact of Inaccurate Reporting : The erroneous charge-off on my credit reports has severely affected my credit score, leading to credit application rejections and potential financial harm due to increased interest rates on new credit applications. 
Concerns Over Investigation Adequacy : The responses from the credit bureaus suggest a lack of a thorough investigation into the disputes, as they did not address the substantive evidence I provided that contradicts XXXX XXXX XXXX reporting. 
Request for CFPB Intervention : I am requesting the CFPB 's assistance to ensure a thorough re-investigation of these disputed entries. I believe the credit bureaus have not fulfilled their obligation under the Fair Credit Reporting Act to perform a proper investigation and to maintain accurate and verified information on my credit reports. I seek the CFPBs support to rectify these inaccuracies that have resulted in significant personal and financial distress.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/23 capital one closed my venture x card without explanation except for violating terms and conditions. I have no violated any terms and conditions, the employees that I have talked to at capital one are unable to see why I would have my card closed. I always pay my card in full on time. I just paid the {$390.00} annual fee without any benefit uses since paying the annual fee. They also deleted all of my reward points. They attempted to escalate this and said they were not able to see the exact reason this was closed. I feel like this is a scam to keep rewards and annual fees from clients as this is a known issue with Capital One ( closing cards without being able to give a specific reason ).
Consumer complaint received 2024-06-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (GA)

We purchased multiple {$500.00} XXXX XXXX cards on XX/XX/XXXX. The information for one of them was stolen, and the funds taken. It appears that somehow, someone got the card number, called the company and had a new card send to their address. The company has confirmed that they can see the name and address of the person who requested the replacement card and it is not us. We contacted the customer service line to file a dispute for the first time on XX/XX/XXXX. We were given an email address to send a photo of the compromised card, the card we used to purchase it, a copy of the receipt, and my drivers license. Since then, I have contacted the company on three other occasions. Each time, I've been told an email was sent to me ( it never was - I have checked all email inboxes, to include spam ). I have been asked to send the same information to three different email addresses. I have also requested that they resend the dispute form via email and never receive it, even after verifying my information with them. At this point, I believe I have been scammed by this company. I am extremely concerned that not only have I given them photos of personal information, but also that I won't be refunded the {$500.00}. I am happy to send the individual email addresses I have been asked to send my information to. The dates I've emailed and contacted them by phone are : XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

In XXXX or XXXX, my mother added me as an authorized signer to her XXXX/XXXX   card in order to help my credit. I have never made a purchase on the account, it was solely to help build my credit. It is being reported with me as a joint account holder rather than an authorized signer and is reporting to all 3 credit bureaus ruining my credit. I have disputed this information with XXXX and the collection department. They are unable to provide me with my signature on the terms/conditions, any signatures of purchases Ive made, or anything linking me to this account as joint. This was an error on XXXX and needs to be removed from my credit. Its unfair that they cant provide anything to show Im joint on this account and its abusive to allow it to affect my credit negatively when its not my debt. Ive asked for documentation with my signature on it and they sent statements. This needs to be resolved immediately.
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION Regarding Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Method of Verification Confirmation To Whom It May Concern, The account ( s ) above, which claims that ( state the derogatory circumstance ) e.g. what you owe if it was charged off and place amounts in this part ) concerns me. This is notification that I formally dispute this claim. 

Pursuant to local state laws as well as the FDCP and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. 

Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, Transunion and XXXX from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports. 

To prevent me from taking such action, Im asking that you request that those negative entries be deleted, if there were placed on my credit reports pending the outcome of the evidence you will provide. Not doing so without this evidence, injures me and I could be entitled {$1000.00} per violations for damages. 

I will seek these damages on the grounds of : Negligent Enablement of Impostor Fraud Defamation Violation of the FCRA including but limited to 623 ( b ) Furnishers ' Investigation of Disputes Filed with CRAs Duties failures under CFPB Regulation V Violations of the FDCP including but limited to Section 807. False or misleading representations subsection 8 The goal is to correct the records and a request for information only. This is not a statement, determination or waiver of status. Just know that any information provided will be used as evidence towards any additional action that is necessary.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-04-30
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)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

They continue to report this fraudulent account on my credit report. I also sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/2023 which is a FDCPA violation.
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00}