davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MO)

I sold and shipped a mountain bike to the buyer. It was delivered XX/XX/22 3 months after delivery the buyer opened a case via XXXX. 
I provided Tracking # and proof of delivery to XXXX and XXXX decided the case in my favor ( seller ) On XX/XX/22. Pictures of the bike were also provided. 

A few weeks later a chargeback was filed by the buyer. Wouldnt the buyer have raised issue with the transaction at time of delivery. Not 3 months after? 

Its been 6 months since I sold the bike. 
I received a collections letter today. 

How is this legal? I sold and delivered ( shipped ) the bike exactly as described. The buyer received the bike in satisfactory condition, has been using the bike. The buyer has the bike still and has scammed his money back from the credit card company which is now sending me collections letters even though XXXX decided in my favor. It was an expensive bike, nearly {$5000.00}.
Consumer complaint received 2022-05-31
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company (MD)

Freedom Mortgage has reported that they started foreclosure on my home while I was being considered for a loan modification. They are also charging me foreclosure fees, The foreclosure should have never been started during my process of trying to get a loan modification through the loss mitigation department. All requested paperwork was submitted multiple times and I also worked with a supervisor that sent all requested documents as well.
Consumer complaint received 2022-05-12
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)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : 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 an account without my written instructions.
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Flagstar Bank is the mortgage company. Loan Origination XX/XX/2021. Automatic payment set up thru my XXXX  XXXX XXXX. Since Flagstar Bank does not accept direct payments, XXXX  XXXX XXXX needs to send a check every month. I don't look at my statements since its paid automatically and Flagstar had increased the escrow portion of my payment. In XXXX, they started calling stating they were collected a debt like the entire payment was missed. I called and immediately sent them and additional {$420.00}. They were charging me a late fee of {$83.00}. My principle and interest was paid in full only the escrow amount was short. They do not even have to make an escrow payment till XXXX so they were not out anything. When talking with them on the phone they told me the incorrect amount {$3200.00}. The right amount was {$3200.00} so the next payment was short and they charged another late fee of {$83.00}! I have since corrected the amount but Flagstar is refusing to waive the late fee.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Experian is in violation of the FCRA by blocking my online access to credit & dispute results. This prevents me from readily accessing my reports, I believe this is being done as a tactic to prevent further disputes on inaccurate information
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE ADDRESSED THESE UNAUTHORIZED INQUIRIES WITH TRANSUNION & CURRENTLY SEEKING VALIDATION FOR THE UNAUTHORIZED INQUIRIES, I HAVE NO CLUE WHY THEY ARE ON MY REPORT & I AM ASKING THAT THEY ARE REMOVED IMMEDIATELY, I AM ALSO PURSUING 1ST TIME MORTGAGE APPROVAL WHICH THESE UNAUTHORIZED INQUIRIES ARE HINDERING
Consumer complaint received 2023-10-17
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-31
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: Bread Financial Holdings, Inc. (OH)

On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.
Consumer complaint received 2022-05-31
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. (OH)

On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.
Consumer complaint received 2023-04-09
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. (TX)

15 U.S.C 1692c -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681 Section 602 A. states I have the right to priavcy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not without my written instructions
Consumer complaint received 2022-05-31
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-31
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. (GA)

I sent identity thief reports to each credit bureau and Equifax is the only bureau stating they have not received my documents. I sent certified mailed in XXXX and XXXX along with a fax. Each time I call the company states they did not receive my documents.
Consumer complaint received 2024-03-26
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. (MI)

There is fraudulent activity on my credit report that should not be on my report. I've sent a letter to the credit bureaus on or about XX/XX/year>, certified mail, and they have not removed the items. The actions that were taken by me that was communicated were as follows by request : " Please remit copies of the original and signed documents that you have in your file as of this date, XX/XX/year>. According to the CFPB 15 USC 1681 ( b ) and Under the Fair Credit Reporting Act, 15 USC 1681 ( g ), I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of the entry concerning the accounts that you are reporting in my credit report. '' Addresses that are unmailable, telephone numbers that are non-reachable are to be removed. ALL negative and charged off items that have turned into income can not be reported on my credit report ; according to 1681 ( g ) original documents need to be validated to prove that it's an accurate file. If not proven with original documents, that violates my privacy according to the Privacy Act and all accounts are to be removed.
Consumer complaint received 2019-03-06
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. (OH)

I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX DO VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX XXXX
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

I have credit inquiries on my Equifax report that were previously removed from my XXXX report and now have appeared on my Equifax again that I did not authorize. I would like them to be removed permanently as soon as possible to reflect the same.
Consumer complaint received 2024-02-16
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. (OH)

i am XXXX years old and been paying rent of XXXX for the last 6 years and want to buy a house instead of renting my whole life this unactual reports a hurting my family to live and own a house. according to the 15 U.S.C 1681 the law states there should not be any damages on my report as this is a defilation of character.
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (PA)

Equifax like the other 2 bureaus was notified by XXXX XXXX to delete an account which we came to an agreement and completely resolved, but EQUIFAX continues to falsely report items. 
Amount : {$970.00} - Unknown Account Number - Original Debtor - XXXX XXXX Equifax has not taken any action for over 90 days now for both XXXX  and XXXX XXXX.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019- I contacted Experian requesting to have the Fraud Alert that was present on my credit report removed, after getting a new phone number and already had updated the alert with my previous phn number months prior. On this day, the representative I spoke with confirmed that the alert was removed and I even received an update via my Experian monitoring services being it was submitted as a dispute. I requested to have it removed as a whole, due to being in the process of trying to rebuild and re-establish my credit, and the alert overall was just becoming an issue, keeping me from being approved credit at all. The agent advised me that the removal would take a 24-48 hrs to update on my credit file. 

As of today, XX/XX/19 - I have been denied credit by creditors all due to being unable to verify my identity due to fraud alert, and showing a phone number I haven't had in years. So when they call it they couldn't reach me, and so my application ended up being denied. 

XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19: XXXX XX/XX/19: XXXX XXXX  XX/XX/19 XXXX XXXX : XX/XX/19 : XXXX XXXX XXXX  The issue I have is after reviewing my credit report Today, I noticed the an alert still there, and it wasn't the alert that was previous there. So I contacted Experian and was advised that there was some kind of issue that when I had the alert removed on XXXX  XXXX, the system unknowingly pulled an old alert placing it on my file, and the agent apologized, putting in a request to have it and any old alerts completely removed from my file, and I received confirmation of it being submitted as a dispute that was completed a few hours later receiving a confirmation email of it as well. However the issue I have is when initially applied believing the alert was removed, an inquiry was applied to my credit file for each application submitted, and to now see there was an issue caused by Experian, causing the creditors to be unable to verify my identity thru the details of the alert, so now that this issue has been resolved, I will have to re-apply with these same creditors causing the same inquiries to be added to my file again, causing my credit score to decrease in more points behind an issue Experian cause, and I think this inappropriate and unfair and because of it I am submitting this as being a complaint.
Consumer complaint received 2022-05-31
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: TRUIST FINANCIAL CORPORATION (GA)

i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } truist dealer servic { 4 } XXXX XXXX XXXX { 5 } XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } XXXX XXXX XXXX  { 4 } bank of america { 5 } XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

I opened a complaint with CFPB, however the issue was closed without reviewing the complaint. The company responded with an original contract which was 'not ' my complaint. The complaint is related to the debt being too old to be on my credit 'AND ' when I filed a dispute about it on XX/XX/XXXX, the company updated the record reducing the owing balance by {$1.00} to manipulate the system to cause my credit to drop over 45 points. 

Complaint # XXXX : On XX/XX/XXXX, I submitted a dispute through XXXX XXXX and XXXX for an  Ally Financial account on my account that is too old to be on my report. On XX/XX/XXXX, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by 45 points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.
Consumer complaint received 2022-12-17
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. (NV)

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. 

Account name : 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 2022-05-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

credit score dropped fro XXXX to XXXX in one month. Credit card had a balance of {$10000.00} however the balance was paid off before due date. I have never carried a balance on this credit card, seems extreme to drop credit score. Contacted credit company and they have done nothing to explain why my score was impacted as it is. I have had XXXX or better credit score for at least the past 15 years. This is wrong ....
Consumer complaint received 2022-05-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (GA)

XXXX XXXX is trying to recover XXXX for Ally. I was a part of class action lawsuit against Ally. As part of Ally settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by Ally no further attempt would be made to pursue. I have tried to contact Ally and XXXX  is aware yet continue to call and threaten me
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IN)

Dear Sir/Madams of the Consumer Financial Protection Bureau : The complaint I am making is about a American Express credit card. In XXXX XXXX XXXX I bought plane tickets on the delta airlines website and was promised that I would get a {$300.00} credit and some Delta miles if I got a AMEX credit card, which I applied for online. Neither Delta or American Express has given me the miles or the {$300.00} credit on the credit card. 

I was told that I had a Delta AMEX card before sometime ago ( 5-6 years ) and that I was not eligible. I was never notified by them during the application process. So Delta and American Express owe me {$300.00} and XXXX XXXX that they promised. 

Ive called AMEX on the phone and Ive also written them, and they are refusing to give me what they promised me. Typical of huge American corporations which take advantage of their consumers, and they do it endlessly and repeatedly.
Consumer complaint received 2022-05-31
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 ) CapitalOne - XXXX Capital One XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under Capital One 's name ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX Upon calling Capital One to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.