davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open account associated with my XXXX XXXX  Balance : {$240.00}. 

During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open account on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open account on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open account. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX : {$240.00}.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

My wife opened an account with Citibank ( XXXX XXXX account ending in XXXX ) for a special promo and they offered an additional XXXX if she brought in a new client to here and {$100.00} to the incoming new client. She had to file a grievance with Citibank to receive the {$200.00}, XXXX XXXX the Citigold specialist said that when her {$200.00} was paid mine would automatically be paid, to this date that has never happened. I have reached out to XXXX XXXX with no response whatsoever.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$590.00} XXXXBalance {$0.00}
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (GA)

I am not liable for this debt with RECEIVABLE RECOVERY LA and I do not have a contract with XXXX XXXX  XXXX plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$3000.00}
Consumer complaint received 2022-04-14
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (IL)

I sent two R.E.SP.A QUALIFIED WRITTEN REQUEST on XXXX XXXX & XX/XX/2021 both time the servicer of the loan has not responded to my quest for documents I am requesting help from the CFPB to have Novad Management Consulting follow the law
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX charged off my account without cause, you can see my payment was made the previous month before my account was charged off without warning. ( in my credit report ). The very abridged version of the story is that my car I purchased with a XXXX loan ( a used car ), along with I believe two monthly payments and a down payment, and an insurance payout for the totaled car, they claim I still owe a balance. A petty sum of money that they charged off without warning. 

Balances were not disclosed after insurance payout, XXXX does not return calls, emails, formal requests from attorneys. They have denied access to my online portal account and refuse to provide any information or speak to me. They simply dump me off to a debt collector who is also equally unhelpful. I am in the process of filing a lawsuit regarding this. I made a formal complaint with the XXXX  XXXX XXXX government entity and they still have ignored me. 

Whatever they are doing is not in the spirit of what credit reporting is supposed to be used for. The money is basically irrelevant and I would have immediately paid off the loan if I was even aware of what I owed. Overall, I believe they have committed several unlawful acts and violated all common sense. 

To date, I have never received a phone call or email from XXXX. Only mailed letters. They have " confirmed '' all disputes from credit agencies while still not providing any information to me. Absolutely shameful. 

My primary complaint is against XXXX. This complaint is regarding Experian 's investigation of my dispute. They have also provided XXXX information or closure here and will not disclose how they can confirm this credit report is accurate.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NV)

I AM VICITM OF AN IDENTITY THEFT, I HAVE BEEN SCREAMING ABOUT THIS FOR THE PAST ONE YEAR IF NOT LONGER, THIS IS RIDICULUS THIS FRAUDULENT XXXX BALANCE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. A THIEF HAS MAINTAINED THIS ACCOUNT AND MADE CHARGES ON THIS ACCOUNT, THE CHARGES AND THE ACCOUNT IS FRAUDULENT, IT IS NOT MINE, DOES NOT BELONG TO ME. 
THIS FRAUDULENT ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have made numerous attempts to get this issue resolved. The credit bureaus have an obligation to report complete, accurate, and validated information. XXXX and Equifax have failed to remove an incomplete unvalidated bankruptcy that is reporting on my credit file. It is damaging my credit. When filing bankruptcy it must be an amount you are filing bankruptcy for? The date filed should not be 2 different dates. XXXX is not reporting this bankruptcy but XXXX and Equifax continue to report this incomplete invalid negative item. I have submitted several documents with proof in black and white and they have been disregarded. THE BANKRUPTCY NAME DOESNT INCLUDE THE CITY AND STATE WHERE THE PUBLIC RECORD WAS INITIATED. DATE Bankruptcy was FILED/REPORTED FOR PUBLIC RECORD INCONSISTENT. See attach copy of credit report with the reporting status.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

Barclays XXXX XXXX XXXX card - card was opened by someone other than myself. Purchases were made. Called numerous times to dispute. On hold for over an hour. Charges were considered fraudulent. Asked to have account closed as it was not open by me. Never received in writing that the account was closed which I asked for numerous times. Recently, just got a letter saying I enrolled in paperless billing. This account was supposed to be closed as of XXXX ( do not have exact date that I called. Also called in XXXX twice and account was never closed.
Consumer complaint received 2022-08-30
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)

THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE. THIS IS INCORRECT REPORTING AND A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. {$3300.00} IS MUCH HIGHER THAN MY ACTUAL BALANCE.
Consumer complaint received 2022-08-30
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. (MD)

I am an XXXX XXXX without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, 2022 ) through which I gave them my address, name, date of birth and SSN. Then I contacted XXXX, Experian and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, 2022 ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, 2022 ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XXXX XXXX, 2022 ) from Experian and XXXX stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have been unable to get my weekly free credit report online as afforded to me by law. I've asked Equifax to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank you
Consumer complaint received 2022-08-30
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: DISCOVER BANK (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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 an account without my written instruction. 15 USC 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.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (CA)

In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report
Consumer complaint received 2022-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX tried to dispute negative information being reported to credit bureau XXXX, XXXX and XXXX regarding an account that was opened with XXXX XXXX Bank, Capital One Bank and XXXX XXXX XXXX 's Credit Card that does not belong to me. I want this account removed from all credit bureaus.
Consumer complaint received 2022-08-30
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. (TX)

As of today, I am in receipt of the letter sent to me on XX/XX/2022. File number XXXX which by the way, I had to get my XXXX speaking neighbor to translate for me. Because I do not speak the language The correspondence stating that the disputed accounts have been verified is unresponsive to the complaint that I submitted with the CFPB on XX/XX/2022, complaint # XXXX. 
this company is once again using one of their XXXX tactics to stall and intimidate. In order to avoid sending me the documents that I specifically requested. 
In my former complaint to the CFPB, I stated that I requested proof of my consent, in regards to the following accounts ; XXXX XXXX XXXX partial acct # XXXX XXXX XXXX ; Partial acct # XXXX. 
15 U.S.C 6802- Obligations with respect to disclosure of personal information ( B ) The consumer is given the opportunity, before the time the such information is initially disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-02-24
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX-Balance {$590.00} XXXX-Balance {$0.00}
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (CT)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2022-08-30
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. (GA)

Consent and privacy laws Equifax is violating I never gave them written permission and I've been getting denials for loans I'm aware that I am a consumer and a natural living being I've been denied about all the loans that I put in and this is hurting me purse this is hurting me because of the XXXX I have an eviction coming up this is because of Equifax for giving people information that I never gave them written permission to give my information 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CoinZoom, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  / XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinzoom 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Coinzoom which is regulated. Coinzoom customer service is not responding properly. They are not sensitive to resolving the customer issues like this. Being financial institutes, they are more capable of tracking the transactions and retrieving the money and returning it to me.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NC)

I have a Mortgage with Shellpoint Mortgage Servicing, owned by XXXX XXXX XXXX and fell behind due to XXXX causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if XXXX fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after 5 Payments on XX/XX/21 and brought Acct Current as of said date, as of today Shellpoint has Reported to the Credit Bureaus that my Last Payment was on XX/XX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop XXXX Points making it Extremely Difficult for me to Refinance My Mtg and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the Mtg Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XX/XX/21. 
I would sincerely appreciate if someone could take a look at this Co Unethical Business Practices towards their Customers, the Consumer. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and XXXX XXXX XXXX. 
This action taken by the Mtg Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.
Consumer complaint received 2024-02-14
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-30
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. (NY)

I am XXXX XXXX a first-hand competent witness to these actions. On XX/XX/2022 i brought it to the attention of Experian that the account held by XXXX XXXX XXXX XXXX XXXX was in dispute and that it should be removed from my credit report. Experian continues to cause substantial injury to my person by keeping false and inaccurate information reporting to my credit report causing further harm to my reputation as a protected party under the Fair Credit Reporting Act. Experian 's behavior continues to be abusive, and it has already begun taking its toll on me mentally. 

Experian has reported back to me alleging that the account has been verified and that it has further been updated and that it couldn't be removed. Experian has only one duty and that's to report fairly and accurately and they have failed at doing that. furthermore, Pursuant to 15 USC 1681i, i am demanding a full reinvestigation over the completeness or accuracy of the information contained in my consumer file. Experian has a Duty to me and i expect them to perform the way they are required to perform on behalf of the consumer and the banking system. 

should Experian 's behavior reflect anything other than their duties under the FCRA, this is my formal notice that i intend to file suit against Experian and all its corporate affiliates and be granted what i am entitled to as a protected consumer under the Fair Credit Reporting Act as well as criminally under title 18 for making false statements and interfering in commerce. I may seek to be rewarded the amounts of the account that has been fraudulently reporting from the day it was first furnished along with any damages that have resulted from the harm that has been caused over the years from your illegal reporting. 

This is an official notice. 

You have 5 days to respond.