davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
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, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2023-01-18
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2024-02-02
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. (VA)

I was never contacted to check the accuracy of any information on the Experian site. Furthermore I sent a letter on XX/XX/XXXX to optout of all previous obligations! I ran my credit report and found all of these violations of my privacy on my report XXXX XXXX XXXX XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act. The list of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian has violated my rights. 15 U.S.Code 1681 Section 602 A.

States I have the right to privacy. 15 U.S.Code 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.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. Inaccurate information on payments of account. Per the Privacy act of 1975 " Charge off '' is a certificate of indebtness which is income and must be removed.
Consumer complaint received 2017-09-22
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. (MO)

Dear CFPB, I am writing you today because while reviewing my Experian credit report ( Report # XXXX ), I noticed several unauthorized inquiries being listed by Experian XXXX. XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : 1 ) XXXX XXXX ON XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX 3 ) XXXX XXXX  XXXX ON XX/XX/XXXX 4 ) XXXX XXXX XXXX ON XX/XX/XXXX I have attempted to resolve this issue with Experian, all to no avail.
Consumer complaint received 2017-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : [ Late Payments ] 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 60 days late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I believed that the account was in auto pay that was coming out of my account automatically.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (KS)

I 'm having continual problem gaining access to my funds. I just opened this checking acc't last week, and since then it has been one hassle after another. I was approved for the checking account, then all of a sudden I can not access my funds. I 've spent 2 hours today working on this.
Your Bank wants for information. Why did n't you asked for the SSN and State ID or Drivers License before you accepted my deposit of {$25.00}. I feel that I '' m being profiled unfairly and that if it was a XXXX last Name you would n't be putting me through these changes. This is n't right period. 

I 'm tired of the runaround I 've been given today. I want access to my Account by XXXX today or I am filing a Complaint with the Consumer Financial Protection Bureau. I 'm sorry for this, but it 's not right what you are doing. For the record my SSN except the last 4 digits is : XXXX. My Kansas ID is : XXXX XXXX XXXX XXXX XXXX XXXX ( my new address that I provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX or XXXX which is my preferred contact number. 

It 's a shame it had to come to this. I prefer to be contacted at the preferred contact number or this email address ( XXXXXXXXXXXX ) For the record, I 've enclosed my Kansas ID ( with my former address, city, and state ) and my Birth Certificate that proves I 'm a Citizen.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (CT)

XXXX XXXX XXXX  A man Called me XX/XX/21 at XXXX about debt collection claiming to be from national enterprise system inc. 
We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with XXXX XXXX XXXX, he claimed to be a manager from national enterprise. He said they would take XXXX today and i would have to give the remainder by the 30th Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. 

They took my XXXX XXXX routing and checking number and my social security number. 

Please help.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Service Repair (FL)

On XX/XX/XXXX of XXXX, I hired Credit Service Repair Corp, I spoke with XXXX XXXX and she prepared the documents ( attached ) to start repairing my credit, but up until XX/XX/XXXX, I did not receive any of the information that credit service repair corp is disputing in my credit profile, I called the company and a person called XXXX stated that they DID NOT provide any of the information that they are disputing on my behalf, I requested in writing via email a formal copy of any and all the letter that they have been sending to the credit bureaus and they simply deny my rights. I inform them verbally and in writing via email of my intention to revoke any authorization to dispute or disclose any information on my credit reports. If credit Service Repair Corp, does not provide me with the information that they had disputed on my behalf I would like to proceed with legal actions in order to protect my rights.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-04-28
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: Mercedes Benz Financial Services (CA)

My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time Mercedes-Benz Financial Service provided yet Mercedes-Benz Benz Financial Service still reported XXXX  day delinquent on my account!
Consumer complaint received 2024-02-02
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (AR)

I RECEIVE UNEMPLOYMENT BENEFITS, I REPORTED TO UNEMPLOYMENT OF ADDRESS CHANGE THEY UPDATED MY INFO, AND USBANK RELIACARD WITHOUT ANY COMMUNICATION BLOCKED MY CARD, ONLY WAY I FIND OUT MY CARD IS BLOCKED AND INFO THATS NEEDED ONLY WHEN I TRY TO PAY MY BILLS AND GET DECLINED KNOWING I HAVE FUNDS BUT RELIACARD HAVE BLOCKED MY ACCESS BECAUSE THEY WANT PROOF OF ADDRESS CHANGE. I PROVIDED THEM WITH THIS ON SEVERAL DIFFERENT DATES XXXX XXXX ... .ON XXXX, I RECEIVED A RESPONSE LETTER FROM THEM STATING THEY RECEIVED MY DOCUMENTS AND NO FURTHER ACTION IS NEEDED. XX/XX/XXXX MY ACCOUNT WAS DEACTIVATED AGAIN, I CALLED AGAIN ASKING WHY NOW, EVERY REPRESENTATIVE TOLD ME SOMETHING DIFFERENT, AND YOU CAN NEVER TALK TO THE PEOPLE THATS ACTUALLY BLOCKING YOUR ACCOUNT TO SEE WHAT IS IT AND WHY IS THIS HAPPENING, THEY CONTINUE TO TELL ME TO POVIDE PROOF WHO I AM, I HAVE SEVERAL TIMES I EVEN WENT ON THE VERIFY.USBANK.COM/ID.RETAIL ON XX/XX/XXXX AND ANOTHER XXXX ON XX/XX/XXXX TO UPLOAD MY ID AND TAKE A SELFIE WHICH IS STUPID BUT I DID IT, THEY HAVE YET TO RESPOND TO THEM. I WAS THEN TOLD ON XX/XX/XXXX TO RESUMIT MY DOCUMENTS AGAIN AND I DID XX/XX/XXXX ... I HAVE MONEY THAT I CAN NOT ACCESS, I AM A MOTHER OF XXXX AND WE ARE IN THE DARK BECAUSE OF THIS NONSENSE. THEY SAY THEY NEED TO KNOW I'M WHO I SAY I AM WHAT MORE DO THEY WANT, I PROVIDED ID FRONT AND BACK, I PROVIDED LEASE, SOC SEC CARD, TAX INFO FOR XXXX. THEY HAVE MY EMAIL AND ADDRESS AND TELEPHONE NUMBER BUT YOU NEED TO PROVE WHO I AM AND IM SENDING DOCUMENTS IN AND IM GETTING NOWHERE IN THE MEANTIME BEHIND ON MY BILLS AND SHUT OFF NOTICES. THEY ARE VERY UNREASONABLE AND UNPROFESSIONAL AND UNORGANIZED TO MAKE THIS BIG HASSLE OVER AN ADDRESS CHANGE, THIS IS NOT NECESSARY TO HANDLE MATTERS THIS WAY, NO COMMUNICATION NO RESPONSES, JUST SILENCE, THERE'S ALREADY HARD TIMES WITH THIS COVID AND THIS COMPANY HAVE DONE NOTHING BUT CONTRIBUTE TO MY STRESS, NOW ME AND MY CHILDREN ARE IN THE DARK BECAUSE OF THEM HOLDING WHAT BELONGS TO ME. IM ASKING FOR ASSISTANCE AGAINST THIS COMPANY TO RELEASE MY FUNDS SO THAT I CAN PAY MY BILLS, AND I MAY NEVER EVER DEAL BUSINESS WITH THEM AGAIN AND WOULDNT RECOMMEND THIS COMPANY TO NOONE.
Consumer complaint received 2022-04-08
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. (NY)

Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance