davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I have notified BOTH XXXX  AND Experian multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both XXXX and Experian are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Hello, I recently opened a checking account with Citibank and set my first paycheck from my new job there. A day after receiving my direct deposit, my debit card was strangely locked and I could not access my account online on the website or app. 

After calling many times, I was told to register my online access again with a new username. Then after I did this, the whole account was inaccessible in the morning. I called many times and was told that a reference number will be sent to my address and I have to call back. They told me my phone number is not under my name which is untrue. 

This is my only money at this time and I am preparing to move. This is very inconvenient and ridiculous. 

Please either fix this issue or please provide me access to my money. 

My name is XXXX XXXX XXXX and my account number is XXXX. 

Thank you,
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

2 accounts were paid in full and promised to be removed from credit report. 

XXXX, XXXX, equifax still report and side with creditors, been 3 years since balance has been paid but still shows collections
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Texas Guaranteed (TX)

I got my tax return intercepted by this loan company or federal loan. I was not aware of their attempt to collect a debt from me. I was unaware of this debt and didn't have the prior oppurtunity to dispute its validity. 
Furthermore, I did not receive any proper notification regarding this debt. If you believe proper notification was attempted, I request that you send me a copy of the certified letter containing my name and signature as proof of receipt. Also the original loan note/contract signed. Not sure what year they are saying I was loaned money or from what school. Additionally, I am concerned about the legality of your actions. The Fair Debt Collection Practices Act ( FDCPA ) prohibits collection from furnishing negative information to credit reporting agencies without providing all required disclosures by law. Specifically, you may be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I am aware the money was taken and paid a debt that is on my report. I need the information from this debt and its validity. Also, it is showing Collection for XXXX and XX/XX/year>. How is this even possible when it should show or report 30 day, then 60 day late, then 90 day then 120 days late. How is this even legal in reporting??? I have tried and tried to contact them directly, and through XXXX and other credit reporting agencies. So I am assuming I need to go to CFPB to get this done. Or next step I will have to look into. This has been harming my credit report for years. Where I can not get a loan, it is doing major damage. It is the ONLY negative item on my report. Becauase I was not aware of this. And how this looked at my employer from garnishing wages as well.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK (NJ)

Discover Card states on their website that they have payment forgiveness and as long as you call and honestly explain your situation agreements can be made. I've tried reaching out to explain my financial hardship post covid but they will not lower my monthly payment. This seems to be trending with other credit card companies as well and something needs to be done because I as a consumer want to make arrangements but Discover Card is treating me different from what they say they will do on their website which is false advertising.
Consumer complaint received 2024-10-23
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)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX account and requesting a re-investigation of all reported details. According to XXXX XXXX 's response in CFPB complaint XXXX, they claim to have purchased the account from XXXX XXXX XXXX XX/XX/year>. However, I have not received any evidence from XXXX XXXX to support valid assignment or transfer documents from XXXXXXXX XXXX or XXXX XXXX XXXX XXXX that authorize XXXX XXXX to collect on this Collections account. Additionally, for my credit report on XXXX the XXXXXXXX XXXX XXXX account, as reported on XX/XX/year>, reflects a {$0.00} balance and was marked as charged off and transferred as of XX/XX/year>. This raises further questions about the legitimacy of the collection account being reported by XXXX XXXX, as the original creditor reports no outstanding balance or past due amounts. For my credit report on XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX are being reported to support any balance due or owed for XXXX XXXX to collect on {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the reporting of information. Since the original creditor reports a XXXX balance, there is no valid reason for XXXX XXXX to be reporting a balance of {$1000.00}. Therefore, I am requesting that XXXX XXXX provide proof of assignment or transfer of the debt, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. Furthermore, I dispute the remarks stating " Consumer disputes after resolution ; Collection account, '' as I do not agree with the prior resolution. These remarks are misleading and should be removed under FCRA 15 U.S.C. 1681s-2. 
I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXXXXXX XXXX or XXXX XXXX XXXX XXXX to XXXX XXXX If the debt can not be verified, the XXXX XXXX account should be removed from my credit report.
Consumer complaint received 2024-10-23
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. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am trying to dispute a couple of accounts that include inaccurate information and keep getting these emails from Experian refusing to investigate because they're saying the dispute is not coming from me. I have provided all of my information including my name, address, social, date of birth, and the account information. I'm not sure what else I'm supposed to do! They gave me a number to call which is just a recorded message that loops round and round. I jumped on XXXX to find a solution and read that Experian does this to prevent consumers from disputing things on their credit reports. That's what lead me to the CFPB website because I was told that these actions were illegal and violating my rights and that filing a complaint against them XXXX help me get them to investigate my disputes. I have XXXX collection accounts that I did not recognize on my report and and contacted the collection company, XXXX XXXX letting them know that I did not recognize or know about these accounts and they could not provide me with any information about them, if they belonged to me or, had any documentation about the debts they could provide. I then let Experian know that these debts are unfounded and there is not evidence they belong to me according to the collector and they just ignored me. I then pointed out that they're not even reporting correct and that's when they started sending me these emails refusing to investigate it. From what I've read online Experian is maliciously refusing to remove these accounts from my report because they get paid to report negative items on credit reports. Hopefully the CFPB can do something about it because they shouldn't be able to hurt people like this.
Consumer complaint received 2023-12-13
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 dissatisfied with their investigation due to the mismatched information in their reports. The reported entries on my files were not confirmed to be verified, and they have already closed my previously filed complaints after they presented me their invalid records.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, 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. (PR)

There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Equifax and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. 

https : XXXX Ive lost years of interest on my two savings accounts with this company. Instead of rewarding their long time customers, they chose to use deceptive practices to lower rates while offering new similar products at the rates I expected my accounts to keep. There was zero communication about transaction of my type of savings account to a low ( kids ) rate account. I never consented the change.
Consumer complaint received 2024-07-27
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: Supreme Lending (MI)

After checking my credit report from XXXX I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting XXXX I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
Supreme lending on XX/XX/scrub>XXXX XXXX XXXX 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 2023-12-07
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. (PA)

XXXX XXXX  XXXX - XXXXThis is inaccurately reporting on my report. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-01-09
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)

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XX/XX/2023
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-07-07
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)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

A refund was initiated in XX/XX/year> from the Department of Homeland Affairs in XXXX. The refund was processed on XX/XX/year>. However, the account ending in XXXX was closed and therefore the refund could not be processed on the closed account. Paypal has assured me that the funds would be available in the main Paypal account for over a month to no avail. XXXX has refused the funds and sent them back to Paypal. The reference number is XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX  XXXX, XXXX XXXX XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my second time contacting without my issue being resolve and am not being tooking serious. At this time again you are in violation of my consumer protected law by knowingly furnishing these accounts on my profile. My last complaint clearly stated I did not give these companies written or verbal approval to Inquire on my credit profile, or the permission thereafter to furnish these on my behalf. I don't have any knowledge of these transactions. You and these companies are in violation of my rights stated below and would like these inquiries removed immediately. This account is under litigation! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 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 2023-09-04
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)

This is my 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00}