davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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 have a past due account listed on my experian credit report. It shows a past due amount of {$45.00} from XX/XX/year>. I paid off that past due amount in XX/XX/year>. It was an XXXX account I had, which was sold to a collection agency XXXX XXXX. I have provided documentation to Experian from both XXXX and XXXX XXXX. XXXX XXXX documentation shows the account was charged off and the balance is XXXX. I made all of my payments for thos XXXX account thru their collection agency XXXX XXXX XXXX XXXX XXXX  documentation shows that my final payment of {$45.00}, for this past due account, was made on XX/XX/year>. I have disputed this several times with Experian, and they continually leave this account remaining on my credit report. I am trying to obtain a home loan, and this past due account needs to be removed. I don't know what other documentation or proof they need to verify this account is paid in full. This is very frustrating. Credit reports should be an accurate report of your credit. Experian is not doing that.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One says that I owe them {$100.00} for a platinun membership to XXXX. I do not have such a membership. I am XXXX yrs, old and my wife is XXXX - we do not buy on line. I have talked to the Capital One credit card reps. many times - nothing happens. They keep sending me a bill and now with stuff they have added - the bill is over {$200.00}. They have called my home over 50 times - no one answers when I pick up the phone. They seem to be trying to drive me nuts. Please get these people off my back. I have excellent credit. I have a XXXX and XXXX XXXX XXXX - and have never failed to pay them in full each month - I pay no interest or late charges. I am not paying XXXX XXXX - I owe them nothing!
Consumer complaint received 2024-08-22
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. (NY)

Social XXXX my complaint is on XXXX their is XXXX  negetive adversed accounts that are fraud and on experian their one negetive acocounts these accounts on both credit agencies suppost to be removed from the reports theirs a fexeral trade commision identy report on filed with experian and XXXX XXXX
Consumer complaint received 2024-05-10
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (PA)

I have attempted to attain my XXXX EQUIFAX credit report 4 times over the last 4 weeks and the report information does not appear just a blank screen. when I attempted to attain it online. 

Additionally, I have sent in annual credit report forms via USPS regular mail 3 times requesting my EQUIFAX credit report but have not received an Equifax credit report or any type of reply after submitting 3 requests for it by mail.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I ( XXXX XXXX ) opened a credit card with XXXX XXXX XXXX Commenity Bank card on XX/XX/XXXX. I made a purchase of XXXX that day. I paid XXXX 's via online banking through XXXX on XX/XX/XXXX. My billing period, is due every month on the XXXX. In XX/XX/XXXX, I received a late fee bill for {$30.00}. I paid the {$30.00} via XXXX banking on XX/XX/XXXX. Then in the month of XX/XX/XXXX, I received a bill for XXXX dollars with another additional late fee. I then called XXXX 's XXXX XXXX # and was told that they never received a late fee payment. I offered to send over my bank statement to prove that I had, and they refused. I then asked to speak with a supervisor and was disconnected several times during this call. One of the workers I talked to was able to refund the initial late fee payment, after agreeing that my original payment on XX/XX/XXXX for {$42.00} was not late to begin ( as per banking this refund was post dated on XX/XX/XXXX ). I was then told that the second late fee would not be waived ( despite not having a balance which would constitute not payment due ). I now monthly continue to get a bill from XXXX and have called monthly to dispute with resolve. I will often ask for a supervisor and will be hung up on or placed on a hold and then disconnected. I last called XXXX 's on XX/XX/XXXX. I was on the phone with 4 different representatives whom refused to tell me there name and when asked for a supervisor would disconnect me. I did ask to close out my account and I also called XXXX 's Beauty Supply Costumer Service who said they can not help as it is through Commenity Bank. Today, XX/XX/XXXX, I received a bill for now {$130.00}. It should be noted that I did not make any other charges to this card aside from original purchase date. I am at a loss and do not know what to do. I filed a compliant on better business burerau and have not heard back. I am being falsely charged and I am in need of support. Please assist. Thank you for your time.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Formal Complaint Against Equifax and XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax and XXXX regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and federal law concerning identity theft reporting on my credit report. I have repeatedly informed both agencies about the identity theft, providing necessary documentation such as police reports and identity theft reports. Despite numerous notifications, the inaccurate information persists on my credit reports.an accounts opened in my Name for XXXX XXXX XXXX XXXX and XXXXXXXX XXXX was from Id theft I've send my police report and id report in numerous times these company 's are in violation of federal law and need to have some consequences I believe these ongoing violations not only jeopardize my financial standing but also demonstrate a blatant disregard for the legal obligations outlined in the FCRA. As a result, I am left with no choice but to consider pursuing legal action, including the initiation of a class-action lawsuit, unless immediate corrective actions are taken. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate actions against Equifax and XXXX to rectify the violations promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I submitted a certified letter XX/XX/XXXX  tracking number XXXX demanding proof of alleged debts XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX in the amount of {$5100.00} and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX for {$15000.00} and to Validate the debt with original Purchase agreement with all parties signatures, Also I demanded that they delete all prior reporting made to any consumer reporting agencies including XXXX, Equifax, XXXX, XXXX and to cease reporting any collection efforts during the validation period. Also to note the account as being disputed in the remarks section of my report. As of XX/XX/XXXX  nothing has been done to my account they are still reporting this debt with no proof or Validation that it is mine and they have ignored 2 Certified letters 2nd tracking number being # XXXX. XXXX, XXXX, and Equifax all replied to my first dispute and request for validation was " item has been verified '' The E-Oscar software is not Validation or re-investigation and proof that an investigation was properly done and no proof of Purchase Agreement was supplied or the removal of debt while investigation took place.I also made them aware on the second letter that I would be filing a complaint with the CFPB and the XXXX  because they are reporting misleading information that is causing me hardship and distress not being able to purchase a home for my family. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist.
Consumer complaint received 2023-12-12
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-10-26
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. (FL)

I am writing to express my concern about the inaccurate representation of accounts in my consumer report. It has come to my attention that I never provided written consent for the inclusion of these accounts in my report, which, in my belief, constitutes a breach of my rights as outlined in 15 USC 1681b. This breach specifically relates to safeguarding consumer information and the essential requirement of obtaining consent prior to reporting it. 

I've already initiated a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, which is XXXX. Furthermore, I've made multiple attempts to request the removal of these entries from my report, only to receive unsolicited documents from the creditor. My grievance is aimed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly block the reporting of any information in a consumer 's file identified as originating from suspected identity theft. In light of this legal obligation, I respectfully request your prompt action in removing the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Requesting Removal of Unauthorized Inquiry XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX - Inquired on XX/XX/ Your prompt attention to this matter is greatly appreciated, and I trust that you will act in accordance with the law to rectify this situation promptly.
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (MA)

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report maintained by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute the following discrepancies, but to date, I have not received a response. I believe Equifax is obligated to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The following are the details of the inaccurate information and the necessary corrections : Account : XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$110.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Balance : {$85.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX / XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX / XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Issue : This account is not mine. Please remove it from my credit report.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (PA)

I sought to make an online transfer of funds from my savings account. Because I had made a transfer the day before at the maximum amount they told me that I could not make additional transfers from the account until 4 days after those funds had cleared even though though the funds had come out of my account. Funds are therefore trapped and I am unable to access. They told me that this is to prevent fraud even though the account that I was transferring to is a pre-established and verified account that I have used for years. No where online in the disclosures that they have published online is this restriction described. They claimed that some months ago an e-mail was sent to customers notifying them which I do not recall receiving but even if this is the case why isn't this published in their online disclosures?
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

On XX/XX/XXXX,, 2024, I had made my first payment to repay my loan. The payment was {$300.00} and I made the payment through the Mohela studentaid.gov website, as I was advised to. I had seen that my debit card had been charged for the {$300.00} but it didn't show that I made the payment on their website under the account history section. It has been 3 months since I have been having this issue and it has yet been resolved. I've called numerous times and yet still no solution. The time that I reached out to Mohela to let them know about the issue they did open an investigation to look into the problem. Every time I've called they said that the investigation was still open and I'd have to wait XXXX business days. This whole situation is just very frustrating.
Consumer complaint received 2024-05-10
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-10
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6500.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX & XXXX - XXXX {$810.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXXXXXX {$6500.00} XXXX - XXXX {$5600.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.