davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NV)

In aacordance with the Fair Credit Reporting Act XXXX XXXX.has violated my rights refernt to account # XXXX 15 USC 1681 Section 602 A States I have the right to privacity. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writen instructions. 

See more detaills at letter attached
Consumer complaint received 2023-08-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account #, has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (KS)

XXXX XXXXXXXX XXXX  had made false statements regarding my rental agreement and lying about a lot things on my credit report regarding the collection. I moved into a XXXX bedroom XXXX XXXXXXXX. I have a video walkthrough and pictures of the XXXX whenever I moved in. There was multiple things wrong with this apartment. The oven did not work for three months that I lived there. My refrigerator broke a total of four times in a six month span. I reported to the office on XX/XX/year> of the water damage and the sliding glass door. Worst of all there was black mold everywhere in the XXXX. The ceiling leaked water whenever it rained and would fill up in the carpet. I had a health inspector inspect the XXXX They told me they have a total of six months to fix the issue. The issue was not properly fixed I have a list of dates the water leaked through the ceiling with dates showing the various times it rained. When I gave my thirty day notice they would not do the walk through of the XXXX They wouldnt take the key either. I put the keys and mail keys in an envelope and put it in the drop box at the office. I have video evidence of the day I moved out of the snow melting on the roof leaking through the ceiling down the wall XXXX. In Kansas- If your landlord does not provide habitable housing under local and state housing codes, a court would probably conclude that you have been " constructively evicted ; '' this means that the landlord. by supplying unlivable housing, has for all practical purposes " evicted '' you, so you have no further responsibility for the rent. Kansas law ( XXXX XXXX. XXXX. XXXX XXXX ) Ive tried reaching out to XXXX XXXX XXXX  over the phone about the collection only to be cursed out. Ive filed a dispute on XXXX against MARS INC which is the collection agency who has the information regarding XXXX XXXX XXXX. I talked to MARS INC on the phone and they received my photo documentation and videos. They have not done anything about it.XXXXXXXX XXXX XXXX are scam artists and have been getting away with stealing from innocent people. Im not the only individual that this has happened to read the reviews on XXXX.
Consumer complaint received 2023-07-19
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. (IL)

On XX/XX/XXXX, I filed a dispute through the credit bureau regarding XXXX XXXX. The account was settled through a debt consolidation with a remaining balance of {$390.00} due. 
XXXX XXXX nor the credit bureau have updated the account accurately with my statement of being in a debt consolidation program, nor has XXXX XXXX updated my report with the accurate balance.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXX and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 

I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and XXXX
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I want to bring to your attention a situation with NetCredit. I took out a loan with them and faced XXXX challenges that have made it difficult for me to make my payments. 

I lost my house to XXXX XXXX in XXXX, then lost my job, and had to relocate overseas. Upon returning to the XXXX, I obtained a new job and had to move into a new studio, for which I took out a loan. NetCredit approved a cash advance of XXXX out of a total loan of XXXX on XX/XX/XXXX, and I set up a XXXX recurring payment with my checking account. Up until XXXX, I had made total payments of XXXX. However, due to a work injury and the need to make an enrollment deposit for XXXX XXXX, I had to cease making payments. 

I am now facing excessive fees from NetCredit, amounting to about XXXX a week, totaling XXXX compared to what I owe on the principal, which is about XXXX XXXX XXXX. Moreover, they have reported on my credit that the account is maxed out, and my missed payments have lowered my credit score from XXXX to XXXX. This has put a strain on my ability to secure new housing and obtain student loans to pursue a XXXX XXXX XXXX at XXXX XXXX. 

As a XXXX  mother trying to rebuild my life in XXXX, I am facing significant challenges. I am keen to resume my payments, but I urge NetCredit to reconsider their practices and fees. I am hoping that the CFPB can assist me in resolving this matter, which is currently hindering my chances of finding new housing and obtaining student loans. 

I appreciate any assistance you can provide in addressing this issue. 

Best regards, XXXX
Consumer complaint received 2023-05-10
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. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00}
Consumer complaint received 2023-05-10
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. (AL)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

I purchased an item with a discount price {$14.00} at Victoria 's Secret and applied for a store credit card, which I never received by mail. On XX/XX/XXXX, much earlier than the due date, I made a {$14.00} payment over the phone and received confirmation that the payment had been processed. Today, XX/XX/XXXX, I received a call from a private number claiming I owe around {$68.00} ( approximate amount ) due to a bank rejection. During the call, the person insisted they had all my information and offered to reduce the amount to around {$38.00} if I agreed immediately. However, I grew suspicious, so I contacted customer service again. They mentioned a different amount owed, around {$71.00}, and asked me to check my bank statement for any record of payment rejection. Yes, I found no record of the {$14.00} payment or any related transactions. But shouldn't I have received any information about this rejection or subsequent charges earlier, not until today? I firmly believe I should only owe the initial {$14.00}. Therefore, I've requested the account be closed to avoid any further interest charges.
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (IN)

I called Caine-Weber about a debt I had. I was trying to explain to the guy that I already spoke with the original place and he kept cutting me off, talking over me. He then got louder told me to shut up that he's talking. I again said I spent 45 minutes on phone with the place and they told me to debt agency. He again started being loud and threatening so I just hung up. I was trying to do right and settle but he was going to try to work with me
Consumer complaint received 2023-07-19
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. (DE)

I had a foreclosure in XX/XX/XXXX Experian is reporting it as this Year XX/XX/XXXX i sent numerous letters with the correct information and they are still reporting as XXXX like the forclosure just happern. I neep the information fixed
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

First off, In the month of XX/XX/year>, I was informed that chase accidentally sent {$4000.00} in a series of 6 declined transactions to a company named XXXX which made my checking account negative ( this is impossible because I have my checking account set up to never allow it to go negative and manage my money very carefully ). I have since disputed those transactions in effort to recover that money, however neither chase or espnbet are fixing the issue and I keep getting sent in circles. 

This lead to chase closing my checking accounts and claiming I owe them the money that they accidentally sent to espnbet when the deposits simply should have been declined. 

I am missing {$4000.00} from my checking account and now that they closed my account, they are holding my entire checking account ( {$99000.00} ) for XXXX business days before they send me a check. 

I want access to the money that I have in my checking account immediately, and I want them to recover the money that they sent to XXXX despite the transactions being declined. This money ( {$4000.00} ) has essentially vanished from my chase checking account as XXXX is claiming they never received it and chase is doing nothing to track down this money.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical Data Systems, Inc. (NC)

I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what MET DATA company is nor have I ever had an account with this company
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper seems to be purposefully delaying the closing process. I am the seller and I am selling my home through an assumption process. We have been under contract since XX/XX/XXXX. We have a closing date scheduled for XXXX XX/XX/XXXX, and Mr. Cooper keeps inventing new forms and request from the buyers that theyve already provided. They refuse to issue the closing disclosure until they receive a pay statement from the buyer that will not be generated before the closing disclosure is due. The pay statement will post on XX/XX/XXXX and Mr. Cooper insists it is required before issuing the disclosure. I am also under contract to purchase a home on XX/XX/XXXX and that purchase is at risk if we delay closing any further. Mr , cooper will not return my agents calls for information on this process.
Consumer complaint received 2023-11-25
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: Marlette Funding, LLC (MD)

Best Egg Financial did not investigate or report ( XXXX 's ) card not present transactions beginning on XX/XX/2023 which are still ongoing. 

Spoke to Merchant - XXXX XXXX on XX/XX/2023 - at the direction of Best Egg Spoke to local police - on XX/XX/2023 at the direction of Best Egg Spoke to XXXX ( debit card/checking account ) - XX/XX/2023 Spoke to an attorney who advised me to follow the direction of Best Egg. 

Best Egg Credit Card - Issued by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD provided only a hotline ( XXXX ) XXXX which was often unreachable during business hours. Each Best Egg representative would not provide their title, last name, or an escalation contact. Any attempt by myself to validate the legitimacy of the organization was dismissed and resulted in me having to provide additional sensitive information during a fraud investigation. To my knowledge, no record of prior phone calls where maintained by Best Egg although this information was transmitted via telephone on a record line. 

Case number - XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts XXXX XXXX Account number XXXX XXXX- account XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing this complaint to the CFPB because I have had a lot of issues with the XXXX Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WV)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 in accurate.