davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal reported that my account was thirty days late which was inaccurate. I went into the branch to resolve the matter but they told me they couldnt change the information because a computer generated the information not them. Navy Federal told me to dispute with the three bureaus and they will correct the information once the credit bureaus send the information to them. It was removed from two bureaus except XXXX. Which I dont understand how they verified the account in two days. The account was reported incorrectly.XXXX is not trying to remove it from my account. I need for the inaccurate information to be corrected. Thanks!
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (IL)

I received a letter in regard to a debt I do not owe. Most likely as a result of identity theft. The amount of {$880.00} is not mine. I received no letters or any receipts of any bills that pertains to this account. The collection just showed up in my mail 3 years after it was opened.
Consumer complaint received 2024-01-04
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. (VA)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-04
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. (MI)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-06
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: Experian Information Solutions Inc. (SC)

Im a victim of XXXX  multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I applied for a Citi Account Package with a {$400.00} bonus today. I received the attached email, including application ID # XXXX. When I called to confirm what additional information was needed for this application, my call was transferred to multiple representatives. Ultimately, I was told that there was no application on file and I had no checking or savings account with Citi. Needless to say, this is very worrisome. First, Citi has lost my personal information by misplacing this application. Second, now I will not be eligible for the {$400.00} bonus associated with my application since the promotion ended today, not that I would want to do business with a bank that loses personal identity information. It is unacceptable for Citi to act in this manner and the CFPB should investigate.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally express my concern about the inaccurate and incomplete credit information currently reported by your bureau. It has come to my attention that the information listed below is part of my credit profile, and I believe there have been lapses in maintaining reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, necessitating stringent measures to guarantee the completeness and accuracy of reported information. Therefore, I am requesting proof of the alleged item, including the contract, note, or any other instrument bearing my signature. In the absence of such evidence, I request the prompt removal of the item from my credit report : XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. The accuracy and completeness of the listed item are seriously questionable. Furthermore, I wish to bring to your attention that other bureaus have already removed these accounts from their records, having identified and rectified errors. I am perplexed about how your bureau has verified this information while others have successfully corrected their records. Consequently, I insist on the removal of these items from my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2024-01-04
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: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize.

According to 15 USC 1681- it is defamation to my character and livelihood.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Halsted Financial Services, LLC. (NC)

calling and harrassing me. contacting my employer saying they will come to my work to collect a debt. keeps calling my phone leaving messages. just want them to stop cause my work will not accept calls from them or let them on the premises thanks.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

This complaint is considering the company Lowe 's and Lowe 's Credit Card. Even though I paid everything in my balance, they made up a fake bill and when I refused to pay that, they charged me with a interest bill consisting of late fees. I will send you all of my billing statement copies. My last payment for Lowe 's is XX/XX/2022. The amount is {$38.00} and also they charged me a late fee {$29.00}. I called the Lowe 's and I made my payment on the phone and they refunded my late fee charge. My phone payment confirmation number is XXXX and my late fee refunding confirmation number is XXXX. After this phone call, next month they have made a fake bill of {$50.00} and after that every month they added {$2.00} interest charge and they keep asking me paying this fake bill. And I am complaining about Lowe 's Credit Card company about this matter. I will also send you all the billing statements they are sending me.
Consumer complaint received 2023-01-04
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. (AZ)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/22 & XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I provided both transunion and XXXX XXXX ) XXXX - showing no debt exists XXXX ) Identify theft report showing my information is being used without my consent, XXXX ) Opt Out letters - showing i revoked or rescinded any and ALL implied permission to creditors that were sharing or collecting my information without my permission and they still allow them to report in violation of FCRA and my written requests, ( see attached Documents ) all documents were sent certified mail and received but were ignored and not investigated at all, they have allowed creditors to report incorrect information for years damaging my credit and causing myself and my family to lose opportunities and pay higher costs for goods and services. both transunion and XXXX  are trafficking in my information for profit and therefore continue to violate FCRA in favor of the companies that pay them. 
they have allowed a bankruptcy to be reported without verification or validation as the courts DO NOT communicate with agencies, that means they paid for consumer information and posted it without consent or verification ( see attached )
Consumer complaint received 2024-09-17
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: Bread Financial Holdings, Inc. (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

I report a company called XXXX as fraud and Chase is not willing to do anything for me and keeps saying that it is out of their jurisdiction when clearly it is. I was scammed and ask for them to get back the money that was taken from us by XXXX and they just brush it off and say handle it elsewhere. I did not know chase would be of such low caliber which would eventually lead me to the CFPB for assistance regarding this case the total amount that was debited and taken was {$9500.00} by XXXX initially starting from XX/XX/2023 I look forward to reaching a solution with you guys because chase is of no avail.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is has violating my rights according to the FCRA. I have the right to privacy according to 15 U.S. Code 1681 Section 604 A Section 2. I have never given Experian consent to report anything on my consumer report. These accounts are not 100 % accurate and are not IAW the FCRA. Delete these Late Payments and Update my Payment History to XXXX Status. Inaccurate Accounts : XXXX- # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( Debt included in XXXX ) DELETE because Debt included in Bankruptcy, and XXXX XXXX XXXX- # XXXX. Violations of my consumer rights are as follows : 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 : States a CRA can not furnish an account without my written instructions ; I never gave anyone written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any other adverse item of information. Experian also ignored 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Experian is Illegally reporting Open and Closed accounts with Balances, as Charged-Off ( CO, CO, CO... ) and Late Monthly. Experian is also ignoring this Law : 15 U.S.C. 1666 ( b ) ( 4 ) - Billing Errors, and 15 U.S.C. 1681e : Compliance procedures. My credit report must be 100 % accurate and it is not.
Consumer complaint received 2024-01-04
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AK)

I was sent a letter notifying me that US Bank had closed my credit card account after a thorough review. The letter indicates that Im in default under the terms of the CardMember Agreement. Per the default provisions, of the said CardMember Agreement, I am being accused of making false statements on account application or in the maintenance of my account, that my account is in danger of or being used for fraud, and Im not living up to my obligations under the said CardMember Agreement. I have had my card for awhile and Ive always made my payments on time. I have never been accused of crimes like fraud. Im an XXXX XXXX Retired XXXX Veteran. I take my responsibilities very seriously. Its a defamation of my character, and to be accused of being a criminal is sickening. While talking to Customer Service, I was berated and asked why I was making certain purchases. Im so disappointed with US Bank to question my integrity or flat out being a criminal. The letter sent to me didnt explain what I did wrong, but o have done nothing wrong. The Customer Authentication Department didnt have the courage to even sign the false statements in the letter. Very unprofessional and cowardly. By closing my account they have doubled the payment amount to XXXX. XXXX on a Veterans XXXX amount. I cant afford that amount XXXX XXXX
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (TX)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (IL)

I requested a Debt Validation on this account citing 15 U. S. C. 1692 ( g ). They didn't provide the information that was requested, which was : 1. Detail list of payment made by me on this account.

2. My signature that I put on a contract guaranteeing that I will pay this creditor.

3. I'm asking to see if any insurance claim has been filed on this debt.

4. I would like to see poof you have the chain of title to collect on this debt.
Consumer complaint received 2024-02-27
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 formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-04
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 trust this letter finds you, though regrettably, it comes amidst an ongoing and concerning issue. I am writing to express my escalating dissatisfaction with the persistent challenges I have faced in attempting to remove fraudulent items from my account with your company. 

The presence of fraudulent items not only compromises the security of my financial information but also erodes the trust I have placed in your company 's services. Despite my multiple attempts to address and rectify this situation, the lack of resolution is both disconcerting and unacceptable. 

I implore you to conduct an immediate and thorough investigation into the fraudulent items on my account and take decisive action to remove them without further delay. Furthermore, I seek a comprehensive explanation for the persistent challenges in addressing this matter and a commitment to implementing preventative measures to safeguard against future occurrences. 

Should this matter not be resolved withinthe exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00}.
Consumer complaint received 2024-08-27
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. (LA)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.