davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MN)

I am a victim of identity theft and of a XXXX XXXX data breach. The following bank accounts listed on my Early Warning Consumer Rrport ID : XXXX is fraudulent and unauthorized bank accounts that arent my bank accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are fraudulent and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK (NC)

My name is XXXX XXXX XXXX, I fell victim to a fraudulent XXXX company using XXXX XXXX XXXX to collect wire transfers. I am writing to your bank because the transactions were made from my Bank XXXX XXXX XXXX ) for a total amount of {$30000.00}. I have decided to contact you, who is the recipient of these transactions to carry out due investigation and apply due laws according to such transactions. 
Ill also like to indicate that these transactions were made under the influence of deceit and ignorance. It was never my intention to make transactions with scammers. This transaction made was influenced by the scammers. I am not a party to the contract and have not agreed to the transactions made in question, since no real service or investment was supplied to me by XXXX company via XXXX XXXX XXXX. I had to complain to you too as the recipient bank because I believe and also as stated in chargeback law that the recipient bank should be contacted in cases like this. If your bank could have known that this act could be a fraud, why are you without informing me or my bank it could be a fraud, whether there are any mechanisms to protect or check the recipient, or do transactions leave without any verification? Based on the above information, I still have doubts about the bank 's actions, because they had the authority to open this case and try to at least request funds from the fraudsters account. But it's also important to note that there are additional reasons why the bank should take the case. 
Firstly, because the transactions should be considered fraudulent because the amount was much to be deposited in such a period. Secondly, the transactions that were made are clearly fraudulent and should have been properly screened for fraudulent. I hoped to get help from you like any other customer who has the right to receive their money sent from a bank account to receive goods, services, or to pay for something. The wire transfer ID was XXXX.
Consumer complaint received 2023-12-19
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-12-19
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. (VA)

Ive pulled my credit report on both your websites, XXXX, XXXX and XXXX have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on XXXX credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For XXXX and Experian, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Propel, Inc. (MI)

Somebody hacked my account took {$1800.00} out from XXXX XXXX on XX/XX/2023 thats not in my name I email my card provider with the information the same day but company was closed for the weekend I made a dispute for the unauthorized transaction the providers card company closed my account and have not reimburse me for my {$1800.00} the card company says no error has occurred please help me
Consumer complaint received 2024-04-08
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX - XX/XX/XXXX {$470.00}
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

Wednesday, XX/XX/, I made a {$300.00} dollar withdrawal from my account. I asked for XXXX and XXXX. A machine counted the money to the teller, and the teller placed the money in an envelope and gave it to me. When I got home, I discovered that I was short XXXXXXXX XXXX bill. Instead of receiving XXXX XXXX dollar bills, I received only XXXX XXXX dollar bills. 

I emailed the Branch Manager the next day regarding the transaction. He did not respond. 

I filed an internal complaint with Regions Bank ( Complaint # XXXX ). He finally replied. I was not satisfied with his response. 

My account has not been credited with the missing {$10.00}
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: SYNCHRONY FINANCIAL (WA)

Since XXXX, I am no longer able to make payments online to PayPal Credit which is financed by Synchrony Bank. When I try to make the payment, I get the following error message : Sorry, there was a technical error. 

Please try again later. 

I have called Paypal and they insist only Synchrony Bank can fix the problem and Synchrony Bank insists only Paypal can fix the problem. I have had a conference call with Agents of both companies at once and both pointed the finger at the other and told me there was nothing anyone could do. Synchrony claims they can no longer see my linked bank account but this bank account shows as linked through PayPal. PayPal unlinked and then re-linked the account to no avail. I have tried different browsers using desktop computers and I have tried the mobile app but nothing works.
Consumer complaint received 2023-12-19
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-19
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. (SC)

The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX
Consumer complaint received 2023-12-19
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. (CA)

was the victim of an XXXX breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped from my credit report.
Consumer complaint received 2019-03-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

I am the signer of HELOC # XXXX, however both my wife and I own the home for which the loan was taken out on. She is also the responsible party and was effected by the government shut-down as a government employee. We have been  struggling to pay this HELOC during a disaster affecting our area in XXXX ( Hurricane Harvey ), then the principal came due and now a furlough has affected our income. My wife phone quicken to let them know of this and instead of offering to help, this company reported 30 day late notices to the credit bureau. As a result, we can not refinance our mortgage to relieve us from the burden of trying to pay a variable interest rate. A second call was place to quicken and my wife was told they would look at our income, but needed to speak with me first and we would continue to be reported to the credit bureaus. This is not something that would help us, it takes more than an hour to answer their questions and our credit score would suffer if we pay less ... ... when ask about a program that would help and not affect our credit score, the representative said just pay what you owe!!!
Consumer complaint received 2023-12-19
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. (VA)

I was trying to get a new credit card, and I realized that I had damage to my credit report. According to the 15 U.S.C. 1681 law, there should be no damages on my credit report because it is a defamation of my character.
Consumer complaint received 2023-12-19
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 2023-12-19
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. (NC)

Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice. I demand the following accounts be removed from my Credit Report 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
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MS)

My husband and I co-signed four student loans with my granddaughter to Sallie Mae, now Navient, in the amount of {$17000.00} with an initial 6 percent interest when my granddaughter began college as an XXXX year old. Now due to multiple interest increases by Sallie Mae and Navient this {$17000.00} loan is now {$32000.00}. Sallie Mae, now Navient have been harassing my daughter, my granddaughter and me for multiple years. They have not worked with us in the repayment of this loan, rather, the interest rises and rises. We need relief. My niece is now in her XXXX  and a XXXX XXXX. Other loans throughout her college years, in addition to this one to Sallie Mae and Navient now over {$60000.00} due to multiple and unfair interest increases. I am XXXX  years of age and my husband is deceased. Navient refused to consolidate the loans after multiple requests. These loans will never be paid off.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am in the process of purchasing a home. XXXX is reporting several accounts to credit bureaus as open with balances and that is not true. XXXX transferred my loans to XXXX in XXXX of 2023. Thus my nelnet balances are XXXX and the accounts are closed but XXXX is inaccurately reporting to the credit bureaus that I have open accounts with balances. I submitted a dispute with the credit bureaus and they determined I need to reach out to the provider. I submitted a dispute to XXXX via certified mail with supporting documentation and they still have not corrected the errors.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2023-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX XXXX : {$2200.00}.
Consumer complaint received 2023-12-19
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. (NV)

I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-08
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. (GA)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.
Consumer complaint received 2023-06-09
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. (NJ)

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.

The letters are stated with items and issues.

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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I've requested the credit bureaus to investigate and prove that I'm the owner of these accounts. As of this month I have only received notification that they will not work on my file due to the submission not coming from me ( This is not true ) I have requested several time for the credit bureaus to their job but to no avail please help.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-08
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. (GA)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.