davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX XXXX Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Consumer complaint received 2023-11-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENOVA INTERNATIONAL, INC. (WA)

these accounts listed below are fraudulent accounts that I did not authorize and I'm demanding that the accouns be deleted off of my entire credit report indefinity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance {$1900.00} Terms - On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I called on XX/XX/08 /2024 reason for the call was, the credit card took the whole amount that was owed, I disputed the the charge due to there system online not updating, in the passed I adjusted it to minimum payment but it kept reverting back to the full amount, I logged online and adjusted it to minimum payment in XXXX and in XXXX, due to their system not updating. I had a payment charge for whole amount and it was declined for insufficient fund in XXXX and in mid XXXX which no Sense when I had already dispute it on the began of XXXX and women update and they yet haven't even returned my refund it's been 32 business days, when I was told it would take 7-21 business days
Consumer complaint received 2023-12-15
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)

XXXX XXXX I did not have late payments XXXX XXXX XXXX I did not have late payments XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX I dont recognize XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX  XXXX This is not accurate. 

XXXX XXXX XXXX I did not have late payments XXXX XXXX XXXX I dont recognize XXXX XXXX I did not have late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following personal information is incorrect
Consumer complaint received 2023-12-15
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. (IN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-15
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. (MI)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S CODE 1681o Civil liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

PLEASE ACCEPT THIS FINAL WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION. 

Account : XXXX and Experian XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Balance XXXX XXXXThis account is FRAUD! 

Hard Inquiries on XXXX XXXX XXXX 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 2023-12-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (WA)

I applied with Navy Federal Credit Union for a new home loan XXXX  back in XXXX and I was denied I went to another Mortgage lender and was approved this is clearly XXXX discrimination and they need to be investigated.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MS)

I have been receiving phone calls from Wakefield and Associates, LLC, for a number of months now. I have not answered the calls but occasionally someone leaves a voicemail with no details except that I should call them back. After a XXXX search to find that Wakefield is a debt collector, I became suspicious. I am not aware of any outstanding debts of any sort. After several months of calls from Wakefield, I finally received a letter dated XX/XX/2023, stating that I owe {$160.00} to XXXX XXXX XXXX, XXXX. I have never done business with this company, I have never received a bill from this company, this company has never sent any sort of communication to me regarding a debt I owe, and now Wakefield is calling me regularly and has sent written notice that I have a debt in collections. I do not believe this is a legitimate debt.
Consumer complaint received 2023-12-15
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

First instance happened on XX/XX/XXXX. Went into the pnc branch to talk to someone about overdraft fees that kept my account negative. That was happening since XX/XX/24. This all happened because the ATM ate my money a couple days before the XXXX. 

I kept calling them and they finally said they can only give three fees back out of 20 fees in XXXX. That is when in XXXX they only gave me back a total of 7 fees out of the 20. After escalating the situation. 

Because of this in XXXX I was over drafted because of the fees not given back for a total of another XXXX fees. XXXX in XXXX, XXXX in XXXX. And right now XXXX in XXXX. 

So they only gave me back a total of 7 fees out of 52 fees. 

These fees accrued because I was never able to recover all the way as if I was given all the fees back in the first place. 

So I would like my 45 fees back totaling {$1600.00}. 

I have been a pnc customer for a long time and dont get how much the company takes and never gives back.
Consumer complaint received 2024-09-21
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. (TX)

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on XXXX separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
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. (NC)

I am a victim of identity theft and Im submitting all requested ftc, police report, documents to support my claim for the fraudulent/inaccurate accounts below. I demand them to be blocked and removed from all 3 credit reporting agencies immediately.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-01
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 2023-12-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
XXXX XXXX XXXX ACCOUN WITH A BALANCE OF {$27000.00} IS INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR.

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

To Whom This May Concern, I pulled my credit report from each bureau to start the 2023 year. I noticed that there were some inaccuracies in my report on multiple accounts. I decided to mail validation letters to XXXX, XXXX, & XXXX on XX/XX/2023. In the letter I asked for each bureau to verify that the information was correct on the accounts in question. I never got a response from XXXX. XXXX and XXXX both verified all information as being accurate and they responded within 30 days. 

The information HAD NOT CHANGED AT ALL, BUT WAS CLAMIED TO BE VERIFIED. THIS IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT! 

I repeated this same process on XX/XX/2023. The bureaus received the Validation letters on XX/XX/2023. The only bureau that responded was XXXX. They sent a detailed copy of my credit report. They were still claiming that the information was accurate. 

After pulling my credit report once again. ALL THREE bureaus are still reporting different : High Credit Limits Last Reported Dates Date Last Active Date of Last Payment Different Balances The bureaus lied to me and said that the issues were corrected, but they clearly have not been corrected. This a VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. If each bureau is receiving accurate information on these accounts then all the items I listed should be reporting the SAME ACROSS ALL THREE BUREAUS!
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (MN)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$4500.00}
Consumer complaint received 2023-12-15
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)

Applied for loan on XX/XX/2023 but was unaware that the inquiry didnt accompany approval because I was already approved for XXXX post submitting ssn but was left pending for docs that werent specified beforehand so i contacted supervisor XXXX and said Id like to rescind my application if I can have it sent over with the necessary rescission disclosures as non were provided nor discussed at time of applying. I will be notifying the IRS for tax purposes upon the event that the application can not be returned to the beneficial owner of all titles, rights, and interest that came as profit out of the transaction in the form of credits or federal reserve notes I demand it all returned as it is unearned interest due back to the principal IMMEDIATELY. I have proof that a transaction occurred per my consumer report so I will also be forwarding this correspondence to the CFPB, FTC, and SEC in the event we can not reach an amicable resolution. I only Will correspond via email or us postal service certified mail when addressing this matter so that I have record of me coming with clean hands and in good faith in the even of your company defaulting or acquiescing. Application can be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX if no application arrives within ( 5 ) days you tacitly agree to a near future lawsuit as me being the awarded plaintiff for whatever damages the law provides as well as an and out of court separate settlement due immediately in the amount on the face of the instrument times 3 in the form of a wire transfer. And the company that ran my report was not the company that I was in negotiations with and they forwarded over all of my property which 15 usc 1681 states the consumer has the right to privacy. Informed supervisor XXXX that all correspondence will be forwarded to the proper authorities for paper trail to legal actions because now it has become theft because they wont return the property or return the proceeds from The transaction per 12 usc 412. No lawful consideration was performed on behalf of speedy cash which tried to convince me that my application was still in review after my credit was already strong-armed and secured.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/ i electronically messaged navy federal regarding my account, they are constantly billing me to cover charges that they are supposed to be covering, as defined by 12 CFR 1002.2, i am a federally protected consumer. I am aware that there has been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding they probide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to my account, prove that i am not the borrower on my account and that when balance is in a positive balance that is credits to my account and not a debt, anything that is a debt will be in the negative balance. I have also mailed them a certified and notarized billing error notice
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-07-11
Product: Prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: PayActiv, Inc. (OR)

This is yet another US company based in California that operates above the law. As with other US entities in the same State, he company has caused specific damages against me. The company misrepresents the facts. There are days and weeks of lapses without updates to my financial deposits. It's customer service is rude. The company then blames the employer. There are ongoing inconsistencies and wages are not made available. The company further gouges consumers extensively with pay to own products. It's unclear as to why racketeering networks like this continue to operate specifically in California with impunity. The company imposes excessive fees on transactions.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I informed them i was not moving into their apartment complex at the end of XX/XX/2023, I never moved into the apartment. The property manager i spoke with whose name is XXXX XXXX with the XXXXXXXX XXXX XXXXXXXX, sent me an email explaining that she recognized that i didn't take ownership of the property and that There is a charge on my credit report for {$3900.00}. Therefore she understood that i should have never been charged. I informed her that this was an issue affecting my credit. XXXX acknowledged this was an error that should have never been on my credit report.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : XXXX XXXX