davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (NY)

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 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

Dear CFPB, I'm trying to ascertain whether I will be eligible for a future bonus point upgrade to an American Express Hilton XXXX card or if a recent, abortive 1-day upgrade has triggered Amex 's 'once per lifetime ' policy. To offer some background, Amex ran a sketchy promotion recently that has blown up in their faces, offering a one year annual fee of {$0.00} for their XXXX  card rather than the usual {$450.00} annual charge. It's evident that Amex, either through a marketing scam gone bad or honest internal error they've yet to admit, put out an offer they never intended to honor. Once Amex chat informed me that I was not eligible for the upgrade, I had them reverse it within 24 hours. Be advised Amex alludes to some vague issue of some sort they had with the promotion, but have yet to state whether my account was impacted by their error/sharp dealing. My attempts to communicate with Amex have been regrettably unproductive, so I ask CFPB to reach out and determine whether my 1 day acquisition of the XXXX  card ( which I did not use during that brief period ) has put me afoul of the Amex 'once per lifetime ' potential future upgrade. Let me state for the record I'm otherwise very pleased with my American Express account, and I have a perfect payment record with them since opening my account over 13 years ago. I'm hopeful CFPB will encourage Amex to reflect, look inward, and endeavor to improve their treatment of good customers.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This is basically the same issue as before. Capital One is claiming they dont have payment when last time they miraculously cashed the check. This time they were sent a check fie {$26000.00} XX/XX/2023 and they STILL have not cashed it. Meanwhile they charge late fees and interest????
Consumer complaint received 2023-01-25
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. (CA)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX {$5200.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 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 2023-08-08
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. (IN)

Back In XXXXXXXX XXXX XXXX  I was a victim of identity theft, someone hacked my phone and got into all of my accounts including my banking and personal information. I was admitted to the hospital & been back and forth over the past couple years dealing with XXXX XXXX XXXX  with multiple hospital stays. Upon checking my credit score within the past month, I began to notice unfamiliar activity or my accounts & reports. Most of the reported dates when the accounts were open were all either on days I was in the hospital or on days when I had XXXX. I have on several occasions tried to work on resolving these issues with banks and the furnishers of the accounts but those efforts have been unsuccessful. This is my 3rd attempt with trying to get assistance. I am a victim of fraud and also a XXXX veteran who suffers from XXXX and I believe these companies are taking advantage of me and are only coming after me. I am sorry I do not have a name of the person who stole my information from my phone but I ensure you that I had no knowledge of who would do this nor was it any one in my household. Every time I have tried to work with one of the companies they send back a report just verifying the account was in my name and used my information. Each time I explained to them what happened they tell me how it is me who opened the account as if they seen me personally or I had given them a copy of social or birth certificate. I am asking as a request please help this veteran get his life back following fraud and stop this companies from taking advantage of citizens being greedy looking for money.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Nelnet has had my SAVE application for months. It has not processed. I have not been updated on anything. I needed the application to go through in order to get an updated mortgage letter from Nelnet in order to close on a house. After six weeks of waiting, the sellers walked and my financing was denied. I cant buy a house until Nelnet approves my application, which I submitted over two months ago. This has placed great strain on my living situation.
Consumer complaint received 2023-09-03
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: EQUIFAX, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX
Consumer complaint received 2018-10-15
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. (CO)

In XXXX of 2018, the account I had with XXXX XXXX XXXX XXXX was closed and paid in full. On my credit report, it shows the account is open and is now late. It is hurting my score and making it impossible for my husband and I to buy a house. I have disputed the info with Equifax TWICE now, with supporting documents from XXXX stating that my account was paid in full and closed, and they still will not fix it. I also have included documents from the dealership stating the car is no longer in my name and showing the check they used to pay the bank in full. The other reporting agencies have it closed on my reports from them, as well as my husbands ( the co-borrower ).
Consumer complaint received 2018-06-05
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. (TX)

I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.
Consumer complaint received 2023-08-08
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. (MI)

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2023-08-08
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. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is an unliquidated debt that is in dispute in Ca state court and inaccurate information is illegally being reported to the credit bureaus for the sole purpose to cause me harm. This debt is not insured by XXXX XXXX at this time. XXXX LIED when it said it was insured by XXXX XXXX because it is not!!! To state XXXX insured this loan is deceptive, inaccurate, a lie, and unfair and obviously to harm me.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I requested the documents from ( XXXX ) that shows I gave WRITTEN CONSENT to the listed creditors that has listed HARD INQUIRIES on my consumer report I also filed a CFPB REPORT PRIOR TO THIS ONE complaint # XXXX in which ( XXXX ) deliberately IGNORED MY request for the document that shows my written consent was given and ( XXXX ) deliberately IGNORED my request to show that the listed creditors gave them permissible purpose to report these hard inquiries I also demanded that XXXX remove the inquiries because the documents were NEVER PRODUCED.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 XXXXXXXX XXXX Balance : {$94.00}
Consumer complaint received 2021-04-03
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. (TN)

I WAS LOOKING TO BUY A NEW HOUSE THE BANK LENDER INFORM ME THAT I HAD SOME ACCOUNTS THAT WAS NEGATIVE I KNEW THAT I DID NOT. WHEN I CHECK MY CREDIT REPORT I SEEN THAT ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE THESE ACCOUNTS NEED TO BE CLOSE AND REMOVE ASAP.
Consumer complaint received 2017-09-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (OH)

Last year on XX/XX/XXXX. My husband XXXX XXXX. We had a XXXX loan with mortgage insurance. I Called XXXX XXXX/XXXX ( spelling ) and informed them. First of all they only record calls they want. I explained that my husband passed suddenly. They would n't speak to me because my name was n't on the loan. Last I looked Calif. was a 50-50 state. When I finally was able to speak with someone they wanted the death certificate. It had n't even been published yet! We were not behind. But I did send them a copy and they signed for it. I was then told I had 3 days to vacate my house or they would send the sheriff to put me out. I got so XXXX I ended up in the hospital with XXXX XXXX. i told them I would need at least 3 months. So as not to become homeless or a bag lady, I sold everything and purchased a substandard home in another state. They told me not to worry about owing on the house because nothing was in my name. Then every month for a year plus they sent me bill after bill while saying they did n't have to talk to me or offer me squat on saving my house there. They said the house was foreclosed on and sold in XX/XX/XXXX at auction. Then Shellpoint mortgage opened an escrow in my XXXX husbands name and has started sending me bills! I called them twice. How illegal is it to open accounts in a XXXX persons name and then harass the widow each month by sending them a bill to their XXXX husband? Each month it rips open the wound of losing my husband. I want them to stop, my health is not great. Their should not be any accounts opened in his name period by any predator, sham companies.
Consumer complaint received 2023-08-08
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. (NC)

On XX/XX/XXXX of 2022 it looks like an unauthorized auto loan from XXXX XXXX XXXX was added to my credit profile. This is not my account and is reporting negatively to my credit report. This loan was for the amount of {$21000.00} And is now {$9600.00} owed. Please REMOVE from my credit report because it is defamation of character and I have reported it multiple times. The account number is : XXXX
Consumer complaint received 2023-05-22
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MD)

To Whom It May Concern, I am writing to file a formal complaint against Ally Financial concerning the inaccurate reporting of my auto account status. The said account has been deemed as charged off by Ally Financial, and subsequently, a 1099-C was issued. I hereby request that the reported balance on my credit report be accurately reflected as {$0.00}, or alternatively, be removed in accordance with the Fair Credit Reporting Act ( FCRA ) laws. 

As per the FCRA laws ( 15 U.S. Code 1681 ), it is mandated that consumer reporting agencies provide fair and accurate information about consumers ' credit. Specifically, under the FCRA, Section 623 states that information reported to credit bureaus must be accurate and complete. Furthermore, Section 611 allows consumers to dispute inaccurate or incomplete information directly with the furnisher of the information. 

I believe that Ally Financial 's reporting of the charged-off account with an outstanding balance is misleading and inaccurate as the debt has been discharged or forgiven according to the 1099-C issued. As per the guidelines outlined in the FCRA, I am within my rights to request accurate reporting or removal of such inaccurate information from my credit report. 

I kindly request that Ally Financial takes the necessary steps to ensure compliance with the FCRA by either accurately reporting the balance as {$0.00} or removing this account from my credit report entirely. Failure to rectify this inaccurate reporting will compel me to escalate this matter to higher regulatory authorities. 

Please acknowledge receipt of this complaint and provide a timeline for action in rectifying the credit report in accordance with the FCRA laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I started a dispute in XXXX regarding inaccurate information on my credit report. Tried to dispute the items and the Company replaced the negative information with different negative information and I disputed that information and they removed the negative information and replaced it with the original negative information that doesn't belong to me, these creditors never had a relationship with me. 15.US Code 1681i ( 5 ) ( b ) : Reinsertion of deleted Item, 15 US Code ( 5 ) ( a ). Accuracy. Both Codes refer to my situation and according to the law these inaccurate items should be removed from my credit report.
Consumer complaint received 2023-09-04
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. (FL)

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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.