davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (LA)

I am looking at my credit report and I see that XXXX is reporting a closed account with XXXX. I have never opened a charge card with XXXX. 

I order from XXXX with my debit card or a 3rd party lease and I see they have orders from a XXXX  card and addresses that are not mine. XXXX is also reporting the same addresses. 

Customer service told me to file a report with the FTC to have it removed. 

Also, XXXX says the account is charged off. If that's the case, XXXX was supposed to send me a 1099. I never received that.

However, I have received debt collection calls about this and my family has as well recently and it's tied to an address that is not mine. That is harassment.
Consumer complaint received 2024-05-20
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On around XXXX XXXX, my XXXX XXXX account was frauded by a XXXX  in XXXX back to back transactions that totaled almost XXXX $ I received a notification and called both companies immediately with in XXXX minutes I was able to stop XXXX XXXX $ XXXX  in time. I disputed this with XXXX XXXX and my nfcu bank that funded the XXXX  transactions. I have never used any service like this I didnt no what it was. I explained this to both companies cash app would not let me do anything my nfcu let me dispute it only to deny my fraud. I ask both to explain what and why I got no response I ask them to show me a paper trail I got no response I ask for account XXXX  went through still got nothing. That was every dollar I had I am currently not able to work due to a XXXX and I was left with no money no answers and still dont no what a XXXX  is. It clearly shows money put into XXXX  I no XXXX XXXX  has to have some kind of info on clients that did fraud on my account. I feel nfcu did not care about matter because it was XXXX XXXX but they funded money a red flag should of went up with my spending history and absolutely no XXXX  or digital money in my entire history so Im left with a debt of XXXX $ that I did not take it was taken from me and no way to pay this money I actually would not even no what to buy or how to buy anything with a XXXX  item.
Consumer complaint received 2024-05-17
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. (MN)

I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.
Consumer complaint received 2024-05-18
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 disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I hope you're well, but I need to express some frustration. I've been trying to get my credit report from EQUIFAX, but they keep saying no. This is the XXXX  time I've tried, and it's really not okay anymore. I've included extra documents to support my case, like copies of my ID.
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

I am writing to express my concern regarding an unresolved issue with my credit report. On XX/XX/year>, I sent a certified letter to Navy Federal containing to things within my credit report. The letter was sent via certified mail and was received by the office, as confirmed by the provided tracking information. 

Despite my request, I have not received the requested validation and demanding that the information be immediately deleted from my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I've been trying for so long to try to fix my credit report, but first I need it to get one from each credit reporting agencies, I have a problem with XXXX and experian as they not help me in getting my credit report because they can't " verify my identity '', I provided all the documents and answer questions and still they dont help me. My credit is destroyed, there is many wrong information on my credit that I want to fix, but XXXX and experian are not helping me at all. This is resulting in me getting denied for a simple credit card or small loan. I NEED YOUR HELP!..
Consumer complaint received 2024-05-18
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. (IL)

I recently reviewed a copy of my credit report, I noticed that I had fraudulent accounts on my report. I am asking that you please remove the accounts above from my report, they are hurting my ability to obtain credit. I did not recognize them, I didn't authorize them, and they are being reported by a third party.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 2nd attempts to inform the 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
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 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 2024-06-04
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. (MI)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did provide me with the original contract as i requested.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (WI)

I am writing to formally file a complaint against SoFi for not honoring their direct deposit bonus promotion as advertised.

**Promotion Terms : **SoFi 's promotion states that direct deposit inflows of {$1000.00} - {$4900.00} will receive a {$50.00} bonus, and inflows of {$5000.00} or more will receive a {$300.00} bonus. The promotion defines direct deposit as recurring deposits of regular income made by the account holders employer, payroll, or benefits provider via the ACH Network. 

**Transaction History : **Below are the relevant transactions within the evaluation period 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 XXXXDespite the XXXX deposits meeting the criteria of being from my employer and recurring, SoFi did not count these towards the direct deposit total. Consequently, SoFi calculated my total direct deposits as {$4900.00}, excluding the XXXX deposits, and awarded me only a {$50.00} bonus instead of the {$300.00} bonus I believe I am entitled to. 

**Interaction with SoFi : **I contacted SoFi 's customer service through their virtual assistant and a live agent, XXXX. I explained the situation, including that the XXXX deposits should qualify as direct deposits. However, XXXX stated that the XXXX deposits were not considered direct deposits per SoFis policy and declined to recharacterize them, despite them meeting the definition outlined in the promotion terms. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Consumer complaint received 2024-05-18
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 disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2017-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

In XX/XX/XXXX I applied for an American Express Delta Airlines Skymiles credit card from a promotion that was mailed to me. The promotion was XXXX. I still have the mailer that was sent to me which expired on XX/XX/XXXX. The terms of the promotion were that by spending {$2000.00} on the card, XXXX miles would be applied to your Skymiles account. Spend another {$1000.00} ( {$3000.00} total ) within the first 3 months of card membership and receive an additional XXXX miles ( total XXXX miles ). <P/>I contacted customer service and requested an investigation. The Case # is XXXX. after several weeks of not receiving a response I called Customer service today XX/XX/XXXX at around XXXX EDT and the agent informed me that I did not meet the spending threshold. When I protested, she said she " misspoke '' and then informed me that I had actually applied to a different promotion that awarded XXXX bonus miles. How I could have applied for a different promotion is unclear since I applied through the number that was in the mailer with my skymiles card number. <P/>I believe I was misled by American Express and have cancelled my card.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NC)

I paid off and closed account with Victoria Secrets. The Comenity bank continued to send me bills in the amounts of {$6.00}... I called the bank and confirmed that the account was closed and asked why do they continue to send me bills, but they continued to send me bills. So now they have charged off an account in my name in the amount of XXXX on XX/XX/XXXX. I was communicating with them about the account between XX/XX/XXXX - XX/XX/XXXX to no avail.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NY)

As of XXXX XXXX, 2024 I have not received any documentary evidence that XXXX XXXX followed the truth in lending Act and informed me of my right to opt out of reporting my information to XX/XX/XXXXparty credit reporting agencies as a customer of the financial institution. I have never received any documentation before they committed multiple violations under The Gramm-Leach-Bliley Act by furnishing my private financial information. 
XXXX XXXX received a notice from me informing them that per the Gramm- Leach Bliley Act, I am opting out of sharing my financial information and that I am exercising my right to privacyXX/XX/XXXXXXXX. This notice was sent by way of registered mail with tracking number XXXX and was received by XXXX XXXX XX/XX/year>. I have received, through the mail, a response from XXXX XXXX dated XXXX XX/XX/year> but was received XXXX XX/XX/year> with no tracking, stating that they will continue to furnish my NPI ( Nonpublic information ) information to a non-affiliated XX/XX/XXXXparty. This is in direct violation of the FCRA. 
I am demanding a cease and desist of all sharing of my NPI. If XXXX XXXX continues its sharing of my NPI to non-affiliated XX/XX/XXXXparties, I will file for litigation for actual damages caused through deception and unfairness as well as injunctive and equitable relief. 
I am in no debt to XXXX XXXX. I see no facts nor evidence. I have not received a loan. XXXX XXXX has not provided me with the account ledger nor treasury transcripts for the account.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-06-04
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. (TX)

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 2024-05-18
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)

I am writing to submit a formal complaint against the Department of Education and any affiliated student loan servicers for violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and data. 

Under the provisions of the Family Educational Rights and Privacy Act ( XXXX ) ( 20 USC 1232g ( b ) ), all student loan information maintained by the Department of Education is considered a protected education record subject to strict privacy controls. Unlawful dissemination or release of these records can constitute a XXXX violation. 

It has come to my attention that there have been improper actions related to the treatment and sharing of my private student loan details by the Department and/or its contracted loan servicers. Specifically, I believe my student records have been mishandled, inaccurately reported, or wrongfully disclosed without my consent. 

Such actions would not only breach XXXX 's confidentiality requirements for education records, but also run counter to the XXXX intent behind the Fair Credit Reporting Act outlined in 15 U.S. Code 1681. This statute emphasizes the need for consumer reporting agencies to uphold accuracy, fairness, and respect consumer privacy rights per section 1681 ( a ) ( 4 ). 

Given that XXXX deems student loan data as protected education records, improper treatment or disclosure violates not just XXXX but also the FCRA 's mandate for exercising consumer privacy responsibilities with impartiality and proper regard for confidentiality as stated in section 1681 ( b ).

I am requesting the CFPB to immediately open an investigation into this apparent violation of my statutory student privacy rights by the Department of Education and any involved student loan servicers or contractors. Failure to safeguard my protected records is unacceptable. 

Please advise on the corrective actions and enforcement steps your agency will take to address this complaint, ensure accountability, and prevent any future infractions against lawfully-required student data privacy and confidentiality standards. 

Thank you for your timely attention to this serious matter of protecting student privacy rights.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated 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 According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified.

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-18
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: PNC Bank N.A. (CA)

I noticed several accounts and inquiries from PNC bank for new debit cards and credit cards. I have not made applied for credit or opened those accounts. I called PNC directly to inquire about what was going on, and they had told me I would have to call the credit bureaus to sort it out. I did that, put a freeze on any new accounts, but that still doesn't solve the problem of these accounts that are open under my name fraudulently. I wanted to close these accounts immediately and remove any access that someone had potentially to accessing credit, but they told me that was all I could do.