davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: AMERICAN EXPRESS COMPANY (MN)

American Express Has been on and off fruadulently reporting me as deceased. they have been opening and closing accounts in my name for over a year now. i have disputed this with the credit agencies and despite the clear misuse of my report. this is a direct violation of several laws and my consumer rights. 

Dear [ CFPB ], I am writing to file a complaint against American Express for multiple instances of fraudulent activity and violations of my consumer rights. 

Specifically, Amex has marked me as deceased multiple times and reopened accounts without my consent. This activity has resulted in unauthorized disclosure of my personal information, inaccurate credit reporting, and damage to my credit score and financial reputation.

I have contacted [ name of credit card company ] to dispute the activity and demand that they cease any further illegal activity on my accounts. However, they have failed to address the issue to my satisfaction, and I am seeking your assistance in resolving this matter. 

The actions of [ name of credit card company ] violate several of my consumer rights, including my right to privacy, accuracy, fair credit reporting, the right to dispute errors, and the right to be free from fraudulent and illegal activity by creditors and financial institutions. 

I request that you investigate this matter and take appropriate action to ensure that [ name of credit card company ] is held accountable for their illegal activity. I also request that any fraudulent information related to their activity be removed from my credit report. 

Right to privacy : The credit card company 's actions may have resulted in the unauthorized disclosure of your personal information, which violates your right to privacy. 

Right to accuracy : The credit card company 's fraudulent reporting of your status as deceased and reopening of accounts without your consent violates your right to accurate and complete credit reporting. 

Right to fair credit reporting : The credit card company 's actions may have damaged your credit score and financial reputation, which violates your right to fair and accurate credit reporting.

Right to dispute errors : The Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute errors on their credit reports. The credit card company 's fraudulent reporting of your status as deceased and reopening of accounts without your consent may have resulted in errors on your credit report that you have the right to dispute. 

Right to be free from fraudulent and illegal activity : The credit card company 's actions violate your right to be free from fraudulent and illegal activity by creditors and financial institutions. 


i would also like to add section 623 of the fcra does not allow for credit reporting agencies to continue to report false information due to litagation or any reason.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting I C SYSTEM without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : ( I C SYSTEM XXXX )
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account " 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
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX I received a letter from XXXX XXXX XXXX  that my credit card was approved. I never applied for a card from them and called their customer Service. I was told that I didn't have a credit card with them. XX/XX/XXXX I received a letter from XXXX that my payment was overdue ( on a card that I didn't have ). Then I received a bill including late charges. This is the first bill I ever received and it already had late charges. I wrote to their " fraud team '', disputed it with all 3 credit bureaus, and filed a police report. I sent the police report to all 3 credit bureaus and their " Fraud Team. They still claim that I own them now {$460.00} including interest. On XX/XX/XXXX they filed a judgment for the money they insist I owe them. On XX/XX/XXXX the judgment was " satisfied by the court ''. However, on XX/XX/XXXX they filed a derogatory alert on Transunion. My credit has been very good to excellent before this. I have in past consistantly paid my bills on time. I want them to stop harassing me and repair my credit rating. I have obtained an attorney.
Consumer complaint received 2023-03-01
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to clarify the erroneous reporting within my credit report. 

please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$290.00}
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I sent a letter to NCB on XX/XX/XXXX about an unknown account on my credit report in the total of {$2200.00} ( opened on XX/XX/XXXX ). I have no connection with this account of business and noted that verification was needed. Today, XX/XX/XXXX I've received a letter past 30 days of requesting verification that did not confirm any amount of money but was noted " this communication is from a debt collector ''. I am unaware of how they have my information and need this unknown business to be removed.
Consumer complaint received 2021-12-13
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

15 U.S, C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I requested PMI removal 3 months after making consecutive monthly payments after coming back off Covid forbearance as instructed by mortgage company. Sent in request with appraisal check which they already deposited in XXXX. They also sent me a letter which gave me an estimate value of my home which was almost double of what my loan is and would most likely give me PMI removal. Now theyre saying I was denied PMI due to payments but I was on Covid forbearance now have been 7 months consecutive payments ( never late ). When I call back they say theyre behind due to Covid and would have to reprocess the request and it can take into XXXX for response.
Consumer complaint received 2022-05-24
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. (NC)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

15 U.S, C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-14
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. (FL)

I have contacted XXXX XXXX about the late payments on my account. This happened around the beginning of covid-19 where I missed a payment and they reported it. By law, the payment was incurred due to the coronavirus outbreak and I was unable to make the past payment.
Consumer complaint received 2019-11-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

Yesterday I received a phone call from XXXX stating that I owed {$790.00} from an online payday loan in 2017. They also called relative. On both of our voicemails they left a case number and a phone number to call. No name of the company. 

When I called the number left on the voicemail, XXXX, they said that my case was locked because someone was filing charges against me for breach of contract and a fraudulent bank related charge. They put me on hold for about 2 minutes so that they could request for the case to be made access to them and came back on the line. Then they said that they were indeed able to gain access. These two charges plus what I owe would then cost me {$1900.00}. Thats if I didnt pay right then. If I paid right then, over the phone, then it would be {$790.00}. 

They still could not give me a company name and would only told me what the company did which was to collect debt. I told them that Id be willing to pay if they could offer me something in writing before stating that if I paid, then Id be cleared. They said they couldnt do that. 

The company said that after I made the payment, then theyd be able to offer documentation. Im not sure if they were telling the truth, but demanding someone to pay money over the phone without anything in writing just doesnt seem ethical to me. Then theyd have my bank information and who knows if it was even for Ace cash express. 

Throughout the call they suggested that I would need to contact an attorney and at the end they told me good luck. I think that the whole call was an intimidation technique and thats not ethical.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-12-13
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-11-23
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. (FL)

I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with XXXX  I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with XXXX  I have the following fraudulent accounts - XXXX/XXXX XXXX - XXXX - XXXX XXXX On my Experian credit report - XXXX XXXX - XXXX  - XXXX XXXX I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

This all occurred from XXXX with the majority happening in XXXX. I banked with Suntrust who is now Truist since I was a child ( well over 10 years ). The pandemic turned my life upside causing financial turmoil for me as well as millions of others which resulted in some overdrafts on my account due to bills and such. Suntrust continuously charged fees to the point I was unable to catch up. Each of my paychecks was eaten up by fees causing more overdrafts as bills payments hit my account. It was a vicious cycle. I was getting nfs and late fees on top of other fees and then fees on bills being unpaid. When I originally opened my account, it was connected to my parents account since I was so young. I ended up so behind, Suntrust took all of the money out of my parents account and just closed mine. This happened when they were leaving for vacation for a week with my niece. I ended up moving back in with my parents, losing my job due to the XXXX  and stress being caused by this, and had to declare bankruptcy. I tried working with Suntrust multiple times. They did waive a few fees randomly but it didnt help. They wouldnt even let me pay fees to catch up and just stop extra fees from adding so I could catch up but they refused. I even had an agent confirm on a call that I had 100 % signed up for overdraft protection a long time ago but then after that other agents acted as if I was crazy. I had no idea I could submit this complaint and that Suntrust would actually listen or I would have done this already. I now have to use prepaid checking accounts and have no credit due to the bankruptcy. 

I can provide my old account number and my info if needed. I am also trying to pull the bank records from suntrust but I know they can see it all with just my account number and personal information.
Consumer complaint received 2022-10-14
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. (FL)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXXt XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

Credit reports will exclude medical debt collections under {$500.00} Starting XX/XX/2023, the consumer credit-reporting bureaus Equifax, XXXX, and XXXX will no longer add medical debt less than {$500.00} to credit reports. Amounts of {$500.00} or more may still show up and can impact your credit score.
Consumer complaint received 2022-10-14
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reached to XXXX XXXX where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Experian have no time to tackle or review my complaints and Im sure you have seen my XXXX XXXX XXXX XXXX Ive XXXX. So my question again is, why are you letting my complaint pass? Dont you know you have caused me so much stress since youre still reporting this damaging record on my credit file? I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA XXXX! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (GA)

I applied for Milestone credit card around XX/XX/XXXX upon receiving a pre approval letter. I have yet to recv the card. I have a physical and a mailing address that were provided to them, I am receiving all my of important and junk mail at both addresses but still no card. I called in XXXX and they reissued another card on XX/XX/XXXX. After several weeks I called again, they reissued on XX/XX/XXXX. I called on XX/XX/XXXX spoke to a rep by the name of XXXX id num XXXX and she has ordered yet another card and has provided me with the last 4 of the account num XXXX XXXXMeanwhile on my credit report it is racking up fees, reporting XXXX of a XXXX balance. The company states they dont do expedited shipping or have any resolution outside of mailing yet another card. Im not sure what they are up to, but it should not take 4 months to get a credit card in the mail. This week I have also sent a certified letter to the credit card company as well as alerted the XXXX. I asked can they close and remove account from my credit report, they stated no it would show as a closed account. I have other major credit cards and this is by far my worst experience yet!
Consumer complaint received 2022-05-24
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. (TX)

ExperianXXXX  reports inaccurate and false information here are the following : XXXXXXXX XXXX XXXX TWO ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # XXXX
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

XX/XX/2022 we received the last quarterly bill for our building. I promptly forwarded to the escrow company that bill with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} for Unit 1 by XXXX. 

The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed. 

I've contacted the escrow company multiple times and no response has been received from them. We have now ( XXXX ) received a late bill from the city with interest for the unpaid balance.