davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I got into a car accident in XXXX of XXXX and had filed an insurance claim. I had notified XXXX of the accident and the claim, however they reported that I was late for 3 months then they charged off the account. This is false. I sent them a notice to fix this issue but they did not fix the error they made on my report. I am filing this complaint as I want this issue to be resolved immediately as dictated by section 623 of the FCRA. Please see attached.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (FL)

XX/XX/XXXX Credit Karma , Inc., XXXX and XXXX credit bureaus were contacted via mail informing the companies of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Consumer complaint received 2024-06-26
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: CITIBANK, N.A. (FL)

I am writing to formally lodge a complaint regarding an unresolved chargeback issue involving my Citi credit card. Despite following the appropriate steps and contacting the merchant, who has confirmed that the refund has been processed on their end, I have yet to receive the credited funds from Citi. 

Here are the details of my situation : Merchant Interaction : I contacted the merchant directly regarding the transaction dispute. The merchant assured me that the chargeback had been completed successfully, and the funds had been withdrawn from their account as part of this process. 

Citis Inaction : Despite the merchants confirmation and my multiple attempts to resolve this matter with Citi, the funds have not been returned to my account. Citi continues to hold these funds without providing a legitimate explanation for the delay. 

This situation has caused me significant inconvenience and financial strain. I believe that Citis failure to process the refund promptly is unacceptable and warrants your immediate attention. 

I am requesting the Consumer Financial Protection Bureaus intervention to resolve this matter expediently. If my claim is not resolved promptly, I will have no choice but to consider legal action to recover the funds that are rightfully mine. 

Please find attached all relevant documentation, including correspondence with the merchant and Citi, as well as any other pertinent information to support my claim. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that XXXX  Transunion and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.
Consumer complaint received 2024-06-16
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)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-05-02
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. (OK)

I am disappointed to inform you that despite sending a dispute letter in XXXX, I have not received any response from the bureau. I have attached a copy of the letter as proof of my attempt to initiate communication. I kindly request your prompt attention to this matter and a thorough investigation into the issues raised in my initial dispute.
Consumer complaint received 2024-05-13
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. (PA)

Thank you for addressing some of the erroneous items on my credit report stemming from suspected fraudulent activity, though there are still entries that need to be cleared. While reviewing my records, I identified items that are erroneously listed. Given my diligence in research, I've discovered that under Section 605B of the FCRA, you are legally obliged to remove accounts opened as a result of identity theft. The disputed entries are not mine. I am including the required FTC Report, as my findings indicate that both entities require these documents for a dispute. Please proceed with the removal of these entries. If there's any belief that these entries might belong to me, I request all documents bearing my signature as proofthis verification is crucial to confirm the accuracy, truthfulness, and completeness of each item. Should you fail to provide such documentation and still assert that these entries are verified, please be informed that I am prepared to take legal action. I do not tolerate negligence or noncompliance lightly, nor does my legal counsel. Please ensure the following entries are removed as they were opened without my consent or knowledge, according to Section 605B of the Fair Credit Reporting Act : EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX CHILD SUPPORT ENFORCEM Date opened : XX/XX/XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2016-01-22
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I got scammed when buying a XXXX in XXXX of Legends, which is boosting from platinum XXXX to diamond XXXX. The seller asked me to send to money through friend/family. Now he never reply a single message from me through XXXX.
Consumer complaint received 2024-05-02
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. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent dispute letters to XXXX, Experian, and XXXX disputing inaccurate personal information and inaccurate accounts reporting to my credit report. These letters were sent out on XX/XX/2023 and the letters were received by the bureau by XXXX XXXX. I never received any response from neither credit bureau. I have attached all the dispute letters to my complaint.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a Mortgage account that is showing me 30-60days or more late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). was allowing for consumer protection under the CARES act in which the creditors are allowed offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXXXXXX account showing XXXX, XXXX date XXXX, XXXX, XXXX, XXXX are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
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. (NY)

In accordance with the Fair Credit Reporting act Convergent Account name, XXXX XXXX  XXXX, Acct # XXXX, has violated my rights. 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.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been working with Mr. Cooper, previously known as Nationstar in regards to making my payments again. I was approved for a re-payment plan to which I made 6 payments of {$1600.00}, I was informed that after the 6 payments were made it would be reduced to something more affordable but that was not the case. I was not able to continue to make those payments because I struggled for the 6 months to make the payments I was told would be reduced. Now I am facing foreclosure again and being left with no options as Mr. Cooper is refusing to offer me any alternatives. My loan was originally serviced by XXXX XXXX XXXX, I experienced a hardship and fell behind when my loan was then transferred to Nationstar. Legally, Nationstar is just a debt collector and has no right to foreclosure on my home. All my HBOR are being violated and I have looked into obtaining an attorney to help me get to the bottom of this.
Consumer complaint received 2024-06-16
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. (GA)

On XX/XX/year> I got an updated copy of my credit report and I was shocked at how many accounts that were listed fraudulently. I have never conducted business with these companies and I believe that their information is completely inaccurate and false. I requested previous investigations for these accounts and I filed a XXXX Identity theft report and No one responded which I believe is an indication that they do not have any evidence to provide regarding these accounts. 
Here are all the accounts I want investigated. 
XXXX XXXX There are XXXX other accounts listed by this XXXX company XXXX XXXX XXXX XXXX There XXXX XXXX other accounts listed by this company XXXX XXXX XXXX are XXXX XXXX XXXX listed by this company XXXX XXXX XXXXXXXX There is XXXX other account XXXX XXXX this XXXX XXXX I would like a copy of any evidenced used to XXXX these accounts listed by these companies.
Consumer complaint received 2024-04-11
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: ALLY FINANCIAL INC. (NJ)

After asking to remove late payments, Ally insists but cant prove any late payments. Their system showed late payments After I made a payment THEY asked for. NOW, XXXX is showing a XX/XX/year>. 30 day late payment????? 
I was denied a Mortgage based on this false Information. 

I need a letter and all late payments removed and a statement showing Ally was wrong. 
This is ridiculous XXXX XXXX
Consumer complaint received 2024-05-02
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. (IL)

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 2024-05-02
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. (AL)

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 XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-02
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. (VA)

Fraudulent credit card opened in my name at XXXX in XX/XX/year>. After receiving a statement for {$5900.00} ( account opened and they spent up to $ XXXX limit ) - I contacted bank fraud department. They agreed it was fraud. It still appears on my credit report as open. I have tried disputing with Experian - advising them to contact the bank to confirm ( as I was told I should by someone that claimed to know ). One year later - it remains on my report. 
And - I'm sick and tired of Experian ( and the others ) trying to sell me " XXXX '' to address this. I get multiple emails each day from them asking if I want to pay off this balance. I'm pushed to " buy up '' to their premium package. I don't need any other this. 
In the meantime- they've lowered my credit score from above XXXX to under XXXX. I have considerable assets- and have paid off my mortgage and current vehicle in the past year - yet my score goes down? Why - because it's a rigged system. 
This is a complaint about the incident- and the overall corrupt system it is. I have paid ALL my debts over my adult life. SELDOM late on anything ( oversight - not due to default ) - and this is how I get treated? Sick of it ... and I don't expect this to mean a thing or get any response ( after all - it's government - and look around ). It does make me feel better to get the anger off my chest for all of this ... fraud ... diffidence ... and what it does to an honest person who's worked hard all their life. My XXXX save us all.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've ensured that payments on this account are always made on time, without becoming overdue. I am uncertain why there are reports of late payments on my accounts. According to 15 USC 1666b, any billing errors should be rectified.