davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (AL)

On XXXX XXXX A company called Discover Financial Service decided they would check my credit of which I never applied for any kind of service from them. Someone applied for a credit card in my name, I don't know if the card was issued or not. The credit check was on my XXXX credit report I did not apply for any credit from anyone. 
I have a block and a freeze on all 3 credit reports but someone was able to get into my credit report and check it without my consent. What is the since of having a block and a freeze on your credit if these companies can still get into your credit reports. I did not ask this company to check my credit for any reason. On my reports it states that they are to call me first before they do any credit checking on me. I have my phone number listed for anyone to call me before they check my credit. They checked my credit without my permission. They checked it on XXXX XXXX. How they got into my credit I have no idea, I don't even know it a card was issued.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NJ)

Charged for forced place insurance when private insurance was active. 

The property has been insured by the same insurance company, XXXX, for twenty-five years without lapse of coverage. 
XX/XX/XXXX - Seterus  Incorporated received a policy renewal notice XX/XX/XXXX - Seterus Incorporated paid {$2900.00} for policy renewal XX/XX/XXXX, XXXX Effective date of policy XX/XX/XXXX - Policy changes after review XX/XX/XXXX - XXXX forwarded new policy to Seterus Incorporated, documentation available XX/XX/XXXX - XXXX issued Seterus Incorporated an adjustment of {$600.00} XX/XX/XXXX - Seterus Incorporated posts adjustment XX/XX/XXXX - Seterus Incorporated writes letter stating insurance has expired XX/XX/XXXX - I faxed Seterus Incorporation the policy information again, documentation available. 
XX/XX/XXXX FORCED-PLACE insurance activated Seterus Incorporated is in violation of Title 12 chapter 27 2605 ( k ). Seterus Incorporated had documentation, supplied by myself and the insurance company, that should have brought into question Seterus Incorporations ASSUMPTION that property insurance was not in force. 

Additionally, though this would take some thought, a yearly policy that cost {$2900.00} canceled forty-five days after activation should warrant a refund of about {$2500.00} NOT {$600.00}.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I requested a method of verification. Experian has failed to provide me this documentation in my first attempt. I've contacted the bankruptcy court about this matter. The bankruptcy court has provided me with a formal response stating they do not publicly share information with third parties. In my 2nd attempt with Experian I asked them which representative they spoke to, the date, length of conversation, which employee from Experian spoke to the party, and or confirming if there was any e-mail or written communication between the members of Experian company and the bankruptcy court. Experian has failed to provide me those details.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: Conn's, Inc. (TX)

This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I am distressed to learn that the information included in my credit report profile is incorrect, and I believe that your organization has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that you publish. As you know, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure that the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts in my credit file ASAP.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Re : Delinquency Notice / Civil Action Notice USPS XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/ 26-8937. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission
. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-06
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; US DEPT ED XXXX  {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX  {$4100.00} ; US DEPT ED XXXX* {$1600.00} ; US DEPT ED XXXX {$3300.00} ; US DEPT ED XXXX {$7600.00} ; US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX  {$4100.00} ; US DEPT ED XXXX {$1400.00}.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

On XX/XX/year> I went online to reopen my acct with Chime. The rep stated that the acct was opened back up no problem. 

On XX/XX/XXXX my direct deposit hit my account. Since I didn't get my card in the mail i calk Chime they Said i could use my temporary card. We'll it would not show up in the app. The rep stated that since she had to send up as a system problem as to why my temporary card was not showing up. My son has a Chime acct so I tried to do pay to pay transactions and that didn't work. This went on for 2 days. I called and got a different answer every day the it's was told to me on Friday XX/XX/XXXX that my act was not opened it was still showing closed. A person from tech team said it was escalated to technical support but nobody got it opened. I called back Saturday XX/XX/XXXX and spoke to another supervisor who told me once again the account was closed and he reopened it but that pushed my card coming to XX/XX/XXXX. At this point I was done. Angry and frustrated, I told them to close my acct and send my money. I was told my acct was XXXX and no card was coming. I can't get to work I take care of my XXXX XXXX  and I cant get to my payroll. Lo and behold I go to the mailbox today and there was a chime card that they said was not coming till XX/XX/XXXX. I called a supervisor to see if they can activate card long enjoy for me to get my money the supervisor said no they already XXXX card. This was negligence on chimes part but they are wanting to hold my money. It's not my fault they couldn't get acct opened and they do not need to hold my money. They can expedite a check
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (CT)

I was offered and accepted a position of employment by XXXX XXXX to relocate from XXXX, MO to XXXX, CT. Upon acceptance, I was informed that First Advantage would be conducting a background check. The company then provided XXXX XXXX with some very bizarre information that resulted in the termination of my employment agreement. Listed below XXXX ) Employment Gap of 1840 Days. I have never had an employment Gap until closing my business on XX/XX/XXXX. I began the hiring/training process with XXXX XXXX XXXX XXXX. 
XXXX ) Alias or other names used XXXX XXXX XXXX. My full name is XXXX XXXX XXXX. I have never used any other legal name. 
XXXX ) Social Security year issued XXXX. My Social Security number was issued in XXXX. 
XXXX ) XX/XX/XXXX We did not contact this above-name entity per subject/client request. ( This is untrue and never happened. 
XXXX ) Employment verification was made using phone numbers to businesses in similar fields though I had never worked for them. Those businesses for that reason were unable to verify employment. 
I also didn't realize that a background check was an employment, education, etc check. This company was trying to call on education certifications and former employment to which they were unable or told that those records could not be released only by myself. 
This company as I have learned is outsourced and agents speak very broken English. I have made multiple attempts to correct my background through appeals without success. The result is I have relocated my entire family over 1800 miles to receive a employment withdrawal from XXXX XXXX on the very day we moved on XXXX, XXXX XXXX.
Consumer complaint received 2023-12-22
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-22
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.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-12-22
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. (DE)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

My previous employer open credit card under his business and put me as co-sign on account, so now he stop pay and credit card American Express chase me for money, i need help for this to be remove from my name and from my ss. 
so they pay from this card for their company needs, so when i resign from this company, they add my bank account to Amex credit card on auto pay, so XXXX months Amex charge my bank account for payment for this card, so i call Amex and they tell me that payments are taken for XXXX XXXX, so i told them that i dont have XXXX XXXX open with them, so since then XX/XX/year> they open investigations and still is on, but they keep telling me that im responsble bcoz im co sign on acc, i told them that previous company they use my informations use my SS and put me as co sign, plus they have my bank XXXX and use my XXXX as auto pay for this car, so they try to XXXX me up maximum as possible, so they dont wan na remove my name from this account bcoz was done XXXX payment from my account, but im telling them they add my bank XXXX as autopay, i did not, plus im telling them to investigate who make first payment from this account, they dont wan na check who did first payment and where money was spend, this is nightmare for me for 18 months, i want this to be over and my name to be clear from this account!