davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX  XXXX XXXX Balance : {$540.00}.
Consumer complaint received 2022-09-22
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. (CA)

I want to write a compliant about Experian not taking into account the facts. 

I have tried to remedy this error five times with Experian and they keep responding with the same thing and not resolving the issue. 

I have one account that has a 30 day past due payment that is inaccurate due to a processing error on the vendors site ( XXXX ). After many attempts I was finally able to connect with the vendor and we agreed to resolve the issue. Experian is still responding with a generic resolution and not actually resolving or even attempting to resolve the issue. I have sent screen shots to prove this was an error as well. 

My payment was accepted and then not accepted do to XXXX  error. The payment was late due to website errors.I called XXXX they agreed this was a payment portal error. Screenshots were provided. Experian should remove this / good standing always. thank you Please resolve and remove this from my credit report asap. I beg of you remove this erroneous delinquency because its simply not true. 

My original dispute remains unresolved. Please remove it.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (KS)

On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. 

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the Equifax data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX I am having problems with my credit profile there has been so many hard inquiries I was miss lead by a lot of car dealers and loan XXXX can someone please resolve this issue for me please..
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Good morning, I applied to the Chase XXXX XXXX Membership Credit Card XX/XX/XXXX around XXXX. The reason for applying is because i was booking a stay at XXXX XXXX XXXX for an event on XX/XX/XXXX. While i was on the check out page, to the right side under " total charge for room '' right under that, was a second box with bold " Earn {$300.00} in XXXX XXXX, plus XXXX Bonus Points '' and then it has this : Price For Stay : {$1100.00} XXXX credit : - {$300.00} Total After XXXX credit : {$840.00} XXXX applied and got approved for {$18000.00}. I call Chase to see how I can use this specific card for my Hotel Stay as advertised and I am told that I can not use it until it arrives. I am okay with that, I call chase again the next day to expedite the card as customer service suggested. When I call, the credit specialist tells me that the soonest they can ship it is in 7-10 business days. I can't wait 7-10 business days because my event is in 2 days. The advertisement is misleading, telling consumers that they will be able to use that credit card toward their CURRENT purchase. I don't stay at XXXX, I would have NEVER applied to this Credit Card if it was not for me being able to use it on THIS hotel stay as they advertise. Now I am stuck with a XXXX Credit Card that I will not be using.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER XXXX AND XXXX OFF REPORT, Please remove these inquiries from my report
Consumer complaint received 2023-09-28
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. (NY)

XXXX ( Phone and Internet company ) Experian ( Credit Reporting company ) XXXX : XX/XX/2023 I closed a XXXX account. Upon closing the account I had a Credit of {$50.00}. 

XX/XX/2023 I used the Credit of {$50.00} towards a XXXX XXXX account as that was the option given to me by a representative XXXX. 

XXXX - Present I have been notified that the Closed Account has a balance of {$50.00} which I now owe. 
I have spoken to multiple XXXX agents ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) in different departments regarding this. They all apologize for the situation and admitted it's an internal error on their end. They all claim to have resolved my issue even providing me with confirmation numbers and emails. However the problem hasn't been resolved and now the Closed account has been put through collections. 

Experian ( Credit report company ) has notified me of this. There is now a derogatory claim in my report from XXXX for {$50.00}. My credit score has also dramatically dropped because of this situation. 

This is very unfair to me. I did not do anything wrong. XXXX admits the internal error on their end, even apologized for this but they haven't done anything to correct this.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (MI)

This company keep reporting this event after CFPB investigate them and they closed the account as paid!! | Charge was for a new roof by XXXX They never finished the job! 
And forged my and my wife name ( as XXXXGREENSKY knows ) to a completion of work document!
Consumer complaint received 2023-01-05
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (MD)

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. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-22
Product: Credit card or prepaid 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: CLGF Holdco 1, LLC (CA)

I am a victim of identity theft/mail fraud as of XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CB INDIGO/GF absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I noticed fraudulent charge when checking my Bank of America Acct on my phone. notified bank and ordered a new card. within an hour got a call on my screen said Bank of America with there XXXX number. the guy said he was from Bank of America and my funds were not secure and they now use XXXX XXXX XXXX to secure money for XXXX hrs. the next day I tried to call Bank of America and they never returned my calls. the day after I noticed my money gone from my account and again called the bank. I finally had to go down to the branch and they told me I was scammed and I authorized them to take {$8000.00} dollars, all my money was drained from my account. a day after we realized they had hacked my phone completely because i could not receive any calls or messages that whole week so if the bank did call or message me about fraud I would not of received it, XXXX took many tries to remove the virus and said they had not seen this happen like this before. I have pictures of screen shots and keep messaging Bank of America and even at the bank the manager asked me what I was thinking when I did this.. XXXX XXXX and had no idea but they have not been helpful and make it hard to reach out and I cant leave the bank or they will close my case. I am going to the bank today to file a Regulation E form but last time i went they told me I needed an attorney
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. 

Mortgages In accordance with fair credit report act, this creditor has violated my rights.Under Section 1681s-2 of the 15 USC ( United States Code ) contains provisions related to the responsibilities of furnishers of information to consumer reporting agencies, including mortgage lenders who report payment information on mortgages.

the creditor is prohibited from providing information about my account without my written consent.Subsection ( a ) ( 1 ) ( C ) ( i ) of Section 1681s-2 specifically requires furnishers of information to report the date of delinquency on any account that is delinquent, including mortgages, to consumer reporting agencies. 
Subsection ( b ) of Section 1681s-2 outlines the responsibilities of furnishers of information to investigate disputes received from consumers and correct any inaccurate or incomplete information. This can include correcting the reporting of late payments on mortgages if they were reported in error. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. 


There are several sections within the 15 USC ( United States Code ) and other laws that prohibit creditors and furnishers from posting late bills or reporting inaccurate information to consumer reporting agencies. Some of these sections include : Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to consumer reporting agencies report complete and accurate information, and correct any inaccurate information upon notice of a dispute. 
Section 1681c of the FCRA, which limits the types of information that can be included in a consumer report, and requires that the information reported is fair, accurate, and relevant.

Section 1666i of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance.

Section 804 of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements in connection with the collection of a debt.
Consumer complaint received 2023-07-07
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. (NJ)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2022-09-22
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. (FL)

Accordance with the Fair Credit Reporting Act Convergent Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish a account without instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX COLLECTION XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-28
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: CITIBANK, N.A. (FL)

My shell XXXX  card was charged for gas or miscellaneous that i did not purchase. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I realized this when checking my statement that the gas was more than my tank would allow and checking further it was taken in XXXX XXXX I called Shell to resolve the issue, but to no avail. 
They said I had similar previous charges on my card. So after further investigation I found more fraudulent charges, but I had already paid them and because of autopay I didn't even know. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now every month they are charging me XXXX late fee and interest on charges that are not mine. I called a XXXX times and they put me on hold then then hangup I am getting nowhere.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (SC)

On or about XXXX of 2023 Exeter Finance called my phone and told I, the consumer that they have sold my contract to XXXX. 15 U.S. Code 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 identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer credit report as they are in VIOLATION!!! Under, 15 U.S. Code 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The inaccurate information that Experian has furnished on my consumer report has caused me to be denied my right to extend credit. I have attached the letter that has been sent to Experian expressing the situation and I have also attached the adverse letters that I received when attempting to extend my credit. 
This has caused me emotional stress, financial stress and now I am starting to have issues with keeping food on my table to feed my family. 

I am reaching out to beg for assistance from the CFPB, I don't know what else to do. I have lost my vehicle, which was what got me back and forth to work so now I am unable to work, I am behind on my rent so I am in jeopardy of losing the roof over my head. I am in an extremely bad and terrifying situation. Please help me
Consumer complaint received 2023-07-12
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: SYNCHRONY FINANCIAL (CA)

Inquiry Fraud from Synchrony- TJX to XXXX XXXX. XXXX Reference # XXXX Reference processed code # XXXXXX/XX/ & XX/XX/XXXX I, XXXX XXXX XXXX XXXX ( DOB XX/XX/XXXX ) sent a letter and called Synchrony- TJX bank on XX/XX/1XXXX  andXX/XX/ in regards to a fraudulent billing inquiry. I informed the company of the fraud inquiry reported on my credit history on this date to all three credit bureaus. However, XXXX is requesting a copy of this report so they can remove this fraud inquiry from my account. I then followed up with Synchrony and asked them to send me proof that they did send a report to transunion on XX/XX/XXXX and they asked me to send a letter to the fraud department. I never received any evidence so I called both XXXX and Synchrony bank today XX/XX/XXXX. Both have provided no results and have done nothing to remove this inquiry.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

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

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (NY)

Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that Transition is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment