davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Previously disputed account through CFPB reference # XXXX account is reporting inaccurate on credit report stating and I have tried fixing this situation through bureaus and account continues to come back inaccurate. Results from CFPB complaint didnt solve the issue. Account continues inaccurate stating as XXXX acct. open by XXXX XXXX while closed by XXXX. XXXXMissing date on date verified by XXXX. XXXX is stating Open while derogatory and in collection all at the same time. This is impossible! Account has not been verified.
Consumer complaint received 2019-04-27
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. (OH)

Contacted bureau to investigate incorrect accounts. The company mentioned " verified as accurate '' but its not accurate. Not properly investigated. Accounts should not be reported no obligation.
Consumer complaint received 2019-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Several disputes has been filed to have this item removed from my credit file. I never opened an account with XXXX or XXXX XXXX XXXX. 
Dates disputes has been filed with credit bureaus regarding this company was on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And this account still has not been removed from my credit file. I don't even use my credit for anything, I have a nothing on my credit file. I'm a XXXX year old XXXX XXXX, that don't even understand how to use my credit. Therefore, this account can't possibly belong to me.
Consumer complaint received 2023-02-10
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. (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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (WA)

I got credit and payed my rent before close my account then when close my account the claim got deduct back. While that happen they took XXXX out my direct deposit check from my job for early direct deposit on cash with using well fargo Debit card saved on there. So been 3 months and been told send by check. And never got my money for rent I am late behind cause of this.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (WY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX 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 2022-12-14
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor If you do not authenticate these accounts, I will take legal action against you. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (WA)

I have a US Bank XXXX XXXX credit card. The card has an annual fee that is not waived. The card at the time of collection of annual fee had advertised a feature called XXXX night free, so if one would redeem points for a night at a hotel, the subsequent night was free. The annual fee was justified with this perk. 

However in XXXX they abruptly removed this feature. They also refused uniform compensation for the said removal. Multiple people have claimed a refund of annual fee for the year and XXXX total points as compensation being given by US bank to them. Ofcourse I can not validate the veracity of internet statements, but I have no reason to believe these people are lying. However when I complained at first they just said sorry and offered no compensation. Upon prodding for compensation they offered a mere XXXX points. 

I understand that product features are subject to change, however when you remove XXXX of your most advertised and valuable perks from a credit card with an annual fee, the compensation to the customers needs to be relevant and in line with changes in product. I am also not happy to see no uniformity in giving customers compensation.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Fraudulent accounts on my credit report. 

XXXX. Us dept of educationXXXX XXXX XXXX Us dept of educationXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to these fraudulent investment companies.
Consumer complaint received 2024-03-05
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. (SC)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-03-15
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXXXXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (FL)

On XX/XX/2022, I requested for the company to send me the method of verification used to determine the accuracy of my consumer report but up to this day, I still have not gotten the information as yet. I wish to clarify and personally investigate some issues with my credit but this company refuses to cooperate with and I have been informed that this is a violation of the FCRA laws. I want to file a complaint as my first step in taking legal actions should they continue ignoring my request.
Consumer complaint received 2023-07-22
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. (MI)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX XXXX  or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with Northern Nevada XXXX XXXX XXXX I have disputed this successfully with both Equifax and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
Consumer complaint received 2020-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2019-04-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In early XXXX of XXXX, I started receiving letters from attorneys and other companies stating that a notice of default has been filed on my home by Specialized Loan Servicing ( SLS ) therefore on XX/XX/XXXX, I called SLS and spoke with a representative named XXXX. XXXX advised me to send in a Request for Modification Assitance application ( RMA ), and that once received I will be assigned to a single point of contact to work with me throughout the process. 

On XX/XX/XXXX, I called SLS to inquire why my application was still in the status of Document Intake and was informed that they would only accept a court order for child support, although their RMA application does not state that a court order is the ONLY acceptable documentation. Consequently, I sent a letter via email requesting SLS to process my RMA application with my other income. On XX/XX/XXXX, I called to follow-up on the status of my application and was informed that my application had been withdrawn and I would need to start the process over. The representative was unable to tell me how, when, or why it was removed. I asked to speak with a supervisor, but as usual, no supervisor was available. 

On XX/XX/XXXX, at approximately XXXX XXXX I called SLS and spoke with XXXX who again stated that the application was withdrawn. I asked for a supervisor and instead was transferred to XXXX in the Loss Mitigation department ( XXXX XXXX ). I explained the situation to XXXX, and he apologized that I was informed. He stated that SLS had all of the necessary documentation. Thus, he would reprocess and send my application to the underwriting team for review, and they would assign me to a single point of contact. 

As of today XX/XX/XXXX, my online RMA status still says document intake, SLS has not been in contact with me, and I have yet to receive a notice of default from SLS. 

Documentation timeline submittal via their specified email XXXX is as follows : XX/XX/XXXX : RMA Application,  Paystubs, and XXXX Tax Return. 
XX/XX/XXXX : Hardship Letter, Bank Statements, and KYHCA Approval Letter XX/XX/XXXX : Child Support Documentation XX/XX/XXXX : Child Support denial letter Please Note : Each time that I have called SLS I have been advised that my loan is at 2 % which is the lowest rate available. However, that is incorrect as my loan is currently at 4.375 %.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

American Express XXXX advertised XXXX XXXX XXXX in XXXX with a complimentary third night with a minimum stay of XXXX nights. I have confirmed with XXXX agents ( XXXX, XXXX ) that my dates are eligible, and somehow, the system did not apply the promotion. Amex XXXX 's system does the promo in a very unique and convoluted way. The discount is reflected in a lower nightly rate, often shown as the regular rate is crossed out, and the new rate would reflect the " free night. '' I see several problems with this practice.

1. Like my case, the nightly rate was NOT crossed out, leading me to suspect that the promotion wasn't applied. Most consumers would probably be unsuspecting, and this would have resulted in an overcharge.

2. Things like this must also be clarified for the Amex Agents. Most of them have attitudes and probably wouldn't bother looking into it. The agents I spoke with initially told me the rate had already been reduced to reflect the " free third night '' until I proved them wrong. 
3. I spent XXXX hours explaining the error and finally got them to admit that it was an error, but they were ineffective in providing an error resolution. 
4. This leads to unjust enrichment for Amex XXXX. I suspect many consumers are conned into believing they are getting a discount. 

Based on the above, I urge CFPB to look into these incidents. I have screenshots of everything. Amex would have gotten millions of dollars via this type of false advertising.
Consumer complaint received 2020-11-10
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. (GA)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.