davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

in XX/XX/XXXX, I lost my job and the citizen one put me on Forbiddance plan. i got my job back on XX/XX/XXXX. on XX/XX/XXXX, I contacted the financial institution ( citizen one ) to remove me from the forbearance plan and allow me to start making a monthly payment as i can't pay 8 months of mortgage in one shot. they agree and they send my account to be reviewed. since XXXX until XX/XX/XXXX they still doing a review. they kept putting my account on more forbearance plan extensions with no resolution. i have been calling them for the past 7 months twice a month to see if there is any answer. Now i am supposed to pay {$66000.00} or they will report it to the credit bureau. i made few payments during the past 7 months but it doesnt show on my account. they claim they can't post it until the account get a resolution. So, they are collecting interest although i am willing to make payments and my payments doesn't get posted.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (VA)

I made, a, complaint with y'all the, complaint is number XXXX they stated, to, you guys that they were still working on it but told me 2 days before this that no error occured see screenshot I have a lawyer through you guys as well I want it noted that they are lying and I want my money back now!
Consumer complaint received 2021-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NC)

Paypal Credit rejected my payment of {$1500.00} on XX/XX/2021. Attaching the email indicating rejected. I contacted my bank and the back office/technical person stated Paypal Credit had not attempted to even process the payment. Funds are more than sufficient. This bank account was successfully debited by Paypal Credit XXXX XX/XX/XXXX and XX/XX/XXXX, no changes to the payment method had been made. 

When I called Paypal Credit after talking with the bank, the {$1500.00} payment had mysteriously been accepted and the customer service individual issued an overpayment refund check in the amount of XXXX. Attaching the transaction history.

Today I logged in and Paypal Credit Adjusted my balance by {$1500.00} essentially reversing the payment going from a XXXX balance on this closed account to a current balance of {$1500.00}. I contacted my bank and still no effort by Paypal to complete the submitted payment from XX/XX/XXXX. I have recorded phone calls to Paypal Credit going over the details of both paid off and reversed adjustment, letting the agents know they were being recorded that well document the situation.
Consumer complaint received 2023-03-15
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. (PA)

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 XXXX XXXX : XXXX has violated my rights. 

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 2023-02-18
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: Experian Information Solutions Inc. (NY)

Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX XXXX  : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.
Consumer complaint received 2023-02-11
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

On XX/XX/2021 I acquired the services of Lexington Law, a credit repair company with the hope they would be able to assist in removing already paid, negative items on my credit reports. Before signing up, I explained my situation in detail to the representative that took my initial call. This person was very empathetic and seemed to understand what I was needing help with. I was hesitant to obtain services from any business that claims to be able to help with credit repair and was sure to express this concern with the representative this during our call. She assured me there would not be any problems and was sure Lexington Law would be able to assist me. 

After agreeing to the service and signing documents, I waited a few days then called to speak with someone about the action they would be taking. I was transferred to someone who seemed to not understand what I was saying and asking. After spending approx. 5 minutes explaining everything again, the person asked if we could go through the negative items on my reports and decide what action to take. This phone call lasted approx. 45 minutes. 

I understood it could take up to 45 days to begin seeing progress and patiently waited to see that. By XX/XX/XXXX the Lexington Law webpage looked to be showing significant progress and I was very happy. I was in the process off refinancing my home and felt confident the work being done by lexington would help. About a week later, my refinance was declined due to items on my credit report that had been reported to have been removed by lexington. I called XXXX directly to obtain a copy of my credit report. While speaking with the XXXX representative I asked about some items on my report that lexington had claimed to have removed. The representative said nothing had been removed. In fact, the XXXX rep suggested hiring a credit repair company to help me with this. 

Upon getting my credit report directly from XXXX, I learned that lexington law had mislead me into believing they were able to remove several items. XXXX and XXXX have shown the same results. 

Over the last few months of being a client to lexington law, I called often to inquire about progress and address questions and concerns. Everytime I spoke with someone that either didn't understand or did not care to understand. The last person I spoke with went so far as to laugh at me and say this is just the way it is and I need to keep paying if I want any help. I cancelled my account immediately after this call. 

I would like to be reimbursed for the last 3 months in the amount of {$380.00}. 

The cost of using Lexington Law has been much more than monetary as the emotional toll and stress has caused much more damage.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

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 did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 A : States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-02-11
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. (IL)

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 2020-02-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (MA)

Attached is a periodic email communication I receive from PurePoint. Is it really fair to permit them to limit the interest rate comparison of their savings account product to other banks that pay less interest? Isn't this cherry-picking and misleading and fraudulent to permit them to omit from this comparison banks that pay more in interest than PurePoint.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX acct # : XXXX, XXXX XXXX acct # : XXXX, are all in violations 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6802U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy Act 1974
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Regarding Experian and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to rectify the inaccuracies in my credit report, XXXX has failed to comply with the FCRA provisions, which protect consumers and ensure fair and accurate credit reporting. 

The specific violations I have encountered with Experian are as follows : Violation of Section 1681e of the FCRA - Accuracy of Information : Experian has failed to maintain accurate information in my credit report. Despite providing clear instructions to update and correct my report, Experian has not addressed the inaccuracies regarding my addresses. Outdated and incorrect addresses still remain on my credit report, causing potential confusion and impacting my ability to receive important financial correspondence. 

These actions by Experian clearly violate the FCRA, which emphasizes the importance of fair and accurate credit reporting and the responsibility of consumer reporting agencies to exercise their duties with fairness, impartiality, and respect for consumer privacy. 

According to the FCRA, as a consumer, I am entitled to remedies for these violations. The potential remedies include : Deletion of Inaccurate and Outdated Personal Information : My primary remedy is the deletion of inaccurate and outdated personal information from my credit report. I request that Experian promptly removes the outdated addresses and ensures that only accurate and current address information is displayed on my credit report. 

Statutory Damages : Under the FCRA, I may be entitled to statutory damages of {$1000.00} per violation. Each instance of Experian failure to rectify the inaccuracies and address my requests represents a potential violation and may be subject to statutory damages. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Experian for its violations of the FCRA. It is crucial to ensure that Experian upholds its obligations and that consumer rights are protected under the law. 

Enclosed with this complaint, please find relevant documentation, including copies of my previous correspondences with Experian and any other supporting evidence. 

I appreciate the Consumer Financial Protection Bureau 's commitment to safeguarding consumer interests and promoting fair financial practices. I trust that you will conduct a comprehensive investigation into this matter and take the necessary steps to address Experian`s violations of the FCRA XXXX thereby ensuring fair treatment and protection of consumer rights. 

Thank you for your attention to this important issue. I look forward to a timely response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

PLEASE REMOVE 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX T Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I have disputed this alleged bankruptcy with Experian on numerous occasions. One of the first times I disputed this alleged bankruptcy they responded back with verified via the bankruptcy court. I reached out to the bankruptcy court who says they do not provide that information to the bureaus. I disputed this alleged bankruptcy again with Experian including the bankruptcy court letter and they responded back with verified via XXXX XXXX I contacted XXXX XXXX who stated the alleged bankruptcy is unverifiable and also froze my credit. I disputed again with Experian and provided the bankruptcy court letter and the XXXX XXXX letter and this time they just said it was verified. I recently ordered my XXXX XXXX report and there is no bankruptcy attached to my report. 

I disputed this alleged bankruptcy with Experian on XXXX, XXXX, and numerous of other times including a phone call on XXXX.