davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MD)

Hello, I have an issue with Comenity Bank. 
I fully paid off my account on XX/XX/year>, for the amount of {$100.00}. 
After the payment went through I sent a message to the account center asking for my account to be closed. 

I received a message on XX/XX/year>, from one of the service members, CONFIRMING the XXXX balance : meaning that the account had been FULLY PAID OFF, and that my account would be closed. 

Today XX/XX/year>, I get an email from Comenity Bank, saying that my account is past due, and that I owe money, and upon checking the account, I find out that it is past due, with additional late fees. 

I believe this to be fraud, due the the facts : that the account was paid off that the paid off balance was confirmed and that I was told my account was closed.
Consumer complaint received 2023-12-12
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-12
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)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to submit a formal complaint against Fair Collections & Outsourcing for their unjust reporting of an unverified debt on my credit report, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company 's actions appear to contravene several provisions of the FDCPA, including Section 807 ( 8 ), which prohibits the use of unfair or unconscionable means to collect any debt, and Section 809 ( b ), which mandates the provision of verification of the debt upon the consumer 's written request within 30 days. Additionally, their continued reporting of unverified information to credit reporting agencies may violate Section 807 ( 10 ) of the FDCPA, which prohibits debt collectors from reporting false or misleading information about a debt. Furthermore, these actions may also violate provisions of the FCRA, such as Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to promptly investigate disputed information, and Section 623 ( a ) ( 8 ), which mandates accurate reporting by information furnishers. By failing to provide verification of the debt and persisting in reporting unverified information, Fair Collections & Outsourcing is potentially in violation of these consumer protection laws. I also contacted XXXX and asked for them to investigate and remove the inaccurate and unverifiable account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof. 

Please remove this item from my consumer report immediately!
Consumer complaint received 2023-12-12
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. (MS)

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. 
I have told Experian, XXXX, and XXXX to investigate these accounts again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is it possible if the open date, date of last activity, and much more are incorrect? 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reported correctly.

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 an 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 ( XXXX ) 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-28
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)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police Report which I filed on my local Police department to testify that I am a victime of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Consumer complaint received 2023-08-16
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. (IL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-12
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)

This company pulled a hard inquiry on my Experian, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Consumer complaint received 2023-06-20
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-12
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. (DC)

I just received my new credit report for EXPERIAN and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me.

This is the list of them.

Experian fraudulent Soft Inquiries too be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX CA XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 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 XXXX XXXX XXXX CA XXXX XXXX details Inquired 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 XXXX XXXX XXXX CA XXXX XXXX XXXX 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 Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired XXXX
Consumer complaint received 2023-12-12
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I recently received a surplus check from Mr. Cooper in the amount of XXXX due to an escrow analysis completed on XXXX/XXXX/XXXX. The analysis to did not make sense to me so I went on their website and it now said I had a shortage. I called the company and they told me that an error had been made and they had put a stop payment on the check. When I asked how this happened the representative said they did not know. They also said I was probably sent an email. They did not notify me or send me a notice of the error via email or phone. I have however received offers to refinance almost daily! I have also sent a company this information via their website. I am now have serious questions on the legitimate calculations and processing of my mortgage.
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. (CA)

There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from Experian correctly, yet XXXX and XXXX have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.
Consumer complaint received 2023-08-16
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against the following creditors for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). The attached documentation provides comprehensive evidence of the violations detailed below : FCRA Violations : Incorrect Date of Birth Incorrect Previous Addresses ( Multiple Instances ) FDCPA Violations : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Violations : XXXX. XXXX Account Number : XXXX The violations outlined above have caused significant distress and hardship in my life. These inaccuracies have not only marred my credit report but have also impacted my ability to secure reasonable credit terms, obtain housing, and achieve my financial goals. I am deeply troubled by the fact that the incorrect information has been used to assess my creditworthiness, ultimately affecting various aspects of my life, including my emotional well-being. 

Allow me to share a personal story that exemplifies the extent of the damage caused by these inaccuracies. As I was in the process of purchasing a home for my family, I encountered insurmountable hurdles due to these false accounts and improper reporting. The dream of providing stability and comfort for my loved ones was shattered, and the emotional toll of facing this ordeal has been overwhelming. The stress and XXXX  caused by these inaccuracies have strained relationships and created a constant sense of uncertainty in my life. 

I implore the Consumer Financial Protection Bureau to intervene and enforce the legal protections put in place by the FCRA, FDCPA, and FCBA. I request that the relevant creditors promptly investigate and rectify the violations they have committed. Specifically, I urge them to remove the unverified accounts from my credit report, thereby ensuring an accurate representation of my credit history. 

I appreciate your attention to this matter and your commitment to safeguarding the rights and well-being of consumers. I trust that your intervention will bring resolution to this distressing situation and enable me to rebuild my financial stability. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Third request prior-to filing a federal lawsuit against the CFPB and the CRAs.

This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX  VIA DEALER Inquired on XX/XX/2XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired oXXXX XXXX
Consumer complaint received 2024-06-04
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. (CO)

XXXX*Subject : OPTING OUT OF CREDIT REPORTING FOR XXXX XXXXXXXX ACCOUNT # XXXX I am writing this DEMAND LETTER to FORMALLY OPT OUT of any credit reporting for the account XXXX XXXXXXXX XXXX on my consumer credit reports. THIS REQUEST IS NOT A VERIFICATION OF ACCOUNT! THIS LETTER AND COMPLAINT ARE SOLELY REGARDING MY LEGAL RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORTS. 
Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), I am REVOKING any power of attorney XXXXXXXX XXXX had or has regarding my personal, private information. According to 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, as a FEDERALLY PROTECTED CONSUMER, I HAVE THE RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORT. This letter serves as a CLEAR AND CONSPICUOUS NOTICE of my opt-out request.

As per 12 CFR 1016.7 ( g ), YOU MUST COMPLY with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Section 12 CFR 1016.7 ( h ) states that a consumer may exercise the right to opt out AT ANY TIME. Additionally, 15 U.S. Code 6802 REQUIRES the company to provide me with an opt-out notice regarding disclosures of personal information, WHICH I HAVE NEVER RECEIVED.

Under the Consumer Financial Protection Act of 2010 ( 12 U.S. Code 5511 et seq. ), this subchapter and the regulations prescribed are ENFORCED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION. I am EXERCISING MY RIGHT TO OPT OUT OF ANY REPORTING on my credit report, and XXXXXXXX XXXX MUST COMPLY as soon as reasonably practicable after receiving this notice. 
Given that XXXXXXXX XXXX  has provided UNREASONABLE MEANS TO OPT OUT, I am submitting this OFFICIAL OPT-OUT LETTER in writing. Additionally, I REQUEST THAT ANY NEGATIVE MARKS related to this account be REMOVED FROM MY CREDIT REPORT until this matter is resolved. 

It is the obligation of the credit reporting agencies to uphold and abide by consumer law by removing negative items from my credit reports when advised to do so by the consumer! 
THIS IS NOT A REQUEST FOR VERIFICATION OR VALIDATION OF ALLEGED DEBT. THIS IS A DEMAND FOR THE REMOVAL OF NEGATIVE ITEMS ON CREDIT REPORTS.