davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXXXXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX. I have attached errors in this information reporting on my credit profile. This information is incorrect and shouldn't be reporting. I have contacted you several times about this and you continue to violate my rights by reporting inaccurate information.The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-01
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I received a call I believed to be a valid call from the Citi Bank fraud department that someone had attempted to make multiple transactions. This person claimed to be a CitiBank employee from the fraud department calling from a number, XXXX, which I later verified was a true CitiBank number. The results were that the fraudsters gained access to my banks checking and savings accounts and drained both accounts. After contacting the fraud department I was advised that this was through the XXXX which is a CitiBank function on the app. Citi Bank claims that I may not be able to receive full reimbursement of monies back even though this a fraud made by a person impersonating a CitiBank employee. When I followed up the next day with bank I discovered that this was fraud, the scammer, asked the same exact questions as the true bank employee.
Consumer complaint received 2023-11-22
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. (NY)

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX XXXX XXXX - Incorrect
Consumer complaint received 2023-12-01
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how Experian violated my rights.

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I find it VERY strange that despite all the activities that took place on my credit report between XX/XX/2023 my FICO XXXX Score has remained the same and never changed. Since XX/XX/2023 to now XX/XX/2023 my FICOXXXX score have been XXXX. During that period I had a paid off auto loan, obtain a new mortgage loan, new credit card, paid off card balances, fluctuation on my credit limit utilization, Limit increases, limit decreases- yet my mortgage FICOXXXX  score remained unchanged at XXXX. All my other EXPERIAN FICO models have fluctuate except for my mortgage FICOXXXX. MY FICOXXXX is XXXX. 
Is there a glitch in your system thats causing this. It makes no sense that my FICOXXXX  remains unchanged for 7 months despite of all these activities.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (GU)

I had cell phone service through XXXX, I had to cancel my contract early due to military XXXX that were taking me XXXX. I called on numerous occassions to get the account cancelled out and then about 6 months later I got an alert on my credit report saying that XXXX XXXX XXXX had sent my account to collections for an unpaid bill. After numerous conversations back in XXXX of 2015 they finally got everything squared away and found out they actually owed me a refund. So they sent me a mail in the check and said that they would take care of the collection agency. Well now it is XXXX 2015 and now a different collection agency is reporting that I owe XXXX money so I contacted XXXX XXXX XXXX and they stated my account is closed out and paid so they are not sure why they are reporting me for collections. Attached is an email from XXXX stated that I was being refunded and the other attachment is the collection agency XXXX XXXX XXXX, which is the account linked to the XXXX account in question.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I was simply denied my legal rights to purchase and apply for a new credit loan solely based off of Experian credit report bureau since XXXXXXXX  Experian is a consumer worsts nightmare based off this companys data I miied the option to purchase the car priced at {$31000.00} that car was sold I forced based off of the Experian credit report bureau to apply for the same car with a higher price tag and {$8000.00} listed at {$37000.00} this is unfair I bust my tail to pay my bills on time every month this should have never happened
Consumer complaint received 2023-12-01
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. (IL)

Experian and XXXX XXXX continues to report these false allegations incorrect information to my consumers credit report. 

XXXX and XXXX has already deleted and removed these incorrect items. 

I feel your company can be some assistance in this matter. Thanks for your help.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I simply want to freeze my credit report at Experian. I need to do it by phone, because Experian 's online account system is known to use predatory tactics to force / trick consumers into paying for their services. 

Evidences : 1 ) Experian Consumer Services Agrees to Injunction and {$650000.00} Civil Penalty for Allegedly Sending Emails to Consumers Without Giving Future Opt-Out Option XXXX XXXX XXXXXXXX XXXX ) You can be tricked into 'accidentally ' signing up an online banking account while trying to freeze your Experian credit report online. 

XXXX XXXX XXXXXXXX However, I was NOT able to freeze my credit by phone. There is no way to get out of their notorious automated system and reach a real person. The automated call system would only 'guide ' you to their online service or alternatively, ask you to send a snail mail (! ). 

In contrast, I have frozen my credit reports at both of the other major credit reporting agencies- XXXX and XXXX ( by phone ) very easily. I question Experian 's good will in forcing the online account upon consumers. 

Now, I'm only freezing my credit reports as a preventative measure against ID theft. So I have the leisure to file this complaint - Imagine someone who already had fraudulent account opened in their name and desperate to freeze their credit reports. They would have NO choices but to do whatever Experian demands.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I have repeatedly attempted to freeze my credit with Equifax. When I log in to my account through their website to freeze my credit, the page tells me to call them. When I call them they say they can't freeze my credit and I need to send them identifying information through the mail. When I did that twice, I have never heard anything from them. Therefore I can't freeze my credit through Equifax even though I am a victim of fraud and new cards are being opened in my name fraudulently. XXXX and XXXX have both been able to freeze my credit without any problem, as well I have placed a fraud alert through XXXX in which Equifax has yet to recognize despite it being months.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NY)

Hi, I would like to reference original complaint number XXXX that was submitted on XX/XX/2022. The data furnisher/creditor has failed to respond in the mandated XXXX days given to them as law by the FCRA, and I'm requesting that this item be removed from the following credit reports : XXXX, XXXX and XXXX immediately .
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-05-06
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. (MN)

Regarding the list of inquiries below, I am formally requesting their removal from my credit report. I did not authorize these inquiries, and their presence is negatively impacting my credit score. Additionally, there is a fraudulent account listed, which I never opened. I demand its immediate removal from my credit report as well. 

As per the Fair Credit Reporting Act, only accurate and authorized information should appear on my credit report. Since these inquiries were unauthorized, they must be deleted. 

Furthermore, there is an error in the reporting of my XXXX XXXXXXXX XXXX credit card on my Equifax credit report. The payment history is inaccurate, as the account has always been current. I have attached copies of my XXXX credit report, which accurately reflect this. I request that the information be corrected to accurately reflect the timely payments made on this account, in accordance with federal regulations outlined in the Fair Credit Reporting Act. 

Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Credit cards reporting incorrectly XXXX XXXX XXXX Has XXXX late payment reporting
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX, called and requested during XX/XX/XXXX for EQUIFAX to release the credit freeze placed on my account as well as send an updated copy of my current credit score. A EQUIFAX representative assured me that this was done however TODAY, XX/XX/XXXX, I go to finance a phone that I desperately require and deserve only to to find that EQUIFAX still has a freeze placed on my consumer report without my consent so I am unable to exercise my federal right to credit as a U.S. Citizen.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (NV)

I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX regarding my purported overdue balance of {$250.00} allegedly owed to XXXX XXXX XXXX. The following account XXXX ( Account Number : XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year>. XXXX {$250.00}. I have never had an account with none of these companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with XXXX. 
This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I am requesting the following XXXX. XXXX XXXX of reporting this alleged debt to any XXXX XXXX XXXX XXXX. A formal apology from XXXX for the violation of my rights under the FDCPA. XXXX for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXX of any legal fees incurred in addressing this matter. 
( Please See Attachments )
Consumer complaint received 2023-12-01
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. (NY)

I am writing to file a formal complaint against Experian regarding the mishandling and inaccurate reporting of a XXXX XXXX Bankruptcy, reference # XXXX, and incorrect personal information on my credit report. Despite repeated attempts to rectify these errors, Experian has continuously failed to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I initiated a dispute with Experian via mail to address the XXXX XXXX Bankruptcy listed on my credit report. The bankruptcy data presented significant discrepancies and omissions, such as the absence of status, liability, exempt amount, and asset amount, prompting my request for its immediate removal. Simultaneously, I disputed personal information that did not match my identification documents, providing multiple forms of identification to assist Experian in accurately locating my file. However, on XX/XX/2023, Experian responded via email, dismissing my dispute under the pretext of an alleged unauthorized request, which, in turn, negated their responsibility to conduct an investigation within the XXXX period mandated by the FCRA. Subsequent attempts to dispute the inaccuracies through Experians online Document Upload Form on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, yielded inadequate investigation results consistently suggested updates to the disputed items, but without substantial alterations, leaving the inaccuracies intact. Furthermore, Experian 's claim of certification from XXXX, the third-party vendor responsible for verifying public record information, stands in stark contradiction to the responses I received from XXXX. In correspondences dated XX/XX/2023 and XX/XX/2023, XXXX stated their disputes filed with Experian remained unanswered, directly challenging Experian 's claims of investigation and certification of the disputed bankruptcy record.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (MD)

CFPB, I stopped using the XXXX XXXX platform in XXXX  because of fraudulent issues reported to CFPB in Complaint # XXXX and Complaint # XXXX. XXXX XXXX never resolved Complaint # XXXX and Complaint # XXXX so I lost money and discontinued my use of the XXXX XXXX platform in XXXX  . 

On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$230.00}. I didnt owe XXXX  XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX  and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX  PST Saturday, XXXX XXXX  - XXXX XXXX  PST https : //cedarsbiz.com/ Thank you, XXXX XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MN)

on XX/XX/XXXX th o ordered face product in which my checking was billed XXXX and the product never sent to me. i waited til XX/XX/24 to report product never received and expected my money back into my account as such - the money was never credit back from Ally. i called my bank im again to find out where my money is- i was transferred around by ally bank and never explained why my refund had not been processed- i was on hold XXXX minutes when i finally hung up.
Consumer complaint received 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

I AM LOOKING FOR ASSISTANCE WITH A TITLE LOAN. MY TITLE LOAN. LOAN ORIGINATION DATE XX/XX/XXXXXXXX  {$1000.00} AGAINST MY XXXX XXXX XXXX. AFTER SEVERAL PAYMENTS, THE TITLE COMPANY SUGGESTED REFINANCING FOR MORE TIME TO PAY. XX/XX/XXXXXXXX  MY BALANCE IS OVER {$1500.00} DESPITE MAKING HIGHER $ ON-TIME PAYMENTS EACH MONTH. TOTAL PAYMENTS I HAVE MADE AS OF XX/XX/XXXXXXXX  IS {$4500.00}. XX/XX/XXXXXXXX  MY OUTSTANDING BALANCE REMAINS AT {$1700.00} ON A $ XXXX.I KNEW THE RISK OF OBTAINING A TITLE LOAN. HOWEVER MY INCOME IS NO LONGER WHAT IT WAS. I HAVE SINCE HAD TO FILE BANKRUPTCY. I HAVE MANAGED TO KEEP THIS LOAN OUT OF DEFAULT. I CAN NO LONGER MANAGE THIS. MY XXXX XXXX XXXX VEHICLE IS ALL I HAVE. MY XXXX INCOME IS NOT ENOUGH TO LIVE ON. I HAVE CALLED AND EMAILED THE COMPANY 'S CORPORATE OFFICES, THE OWNER, THE LOCAL OFFICE. NO ONE WILL RESPOND. TOTAL AMOUNT OF PAYMENTS MADE TOWARDS THE PRINCIPAL BALANCE PLUS INTEREST ARE 3 TIMES THE AMOUNT OF THE LOAN. I NEED HELP. I CAN NOT LOSE MY VEHICLE.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.