davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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: AMERICAN EXPRESS COMPANY (TX)

FRCA Violation credit card
XXXX XXXX XXXX
AMEX
XXXX XXXX XXXX XXXX

FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
FRCA Violation address

PO BOX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX  TX XXXX
Consumer complaint received 2022-04-28
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: CLGF Holdco 1, LLC (TN)

I open an Indigo Mastercard, and was told over the phone there was no fee for applying or having the card, but when I got my first bill I was billed an annual fee. I attempted to call Indigo Mastercard customer service but they refused to help close the account, allow me to pay the balance to XXXX  and refund the annual fee.
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. I have a XXXX XXXX account that was settled and paid in total amount of {$350.00} on XX/XX/2023 and was told by Transuion it will stay on my account for 7-10 years. I tried to dispute with all 3 credit agencies with no luck. I have two accounts with XXXX XXXX XXXX that started reporting in XXXX of 2023. The amounts for the two accounts are {$410.00} and {$3100.00}. I called XXXX XXXX  where they told me there was no account on file attached to my name. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.
Consumer complaint received 2023-04-03
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. (CA)

XXXX and Equifax are not follow your law Section 605C of the Fair Credit Reporting Act. XXXX removed the items I disputed, but the two CRA 's listed stated that I did not provide the requested information the needed in order to remove the items, address and telephone numbers that I ask to be removed. I provided a copy of the reason why they did not complete the process of removing the inaccurate items. Both XXXX and Equifax stated in their letters that I did not provide the victim determination documentation. This is untrue, I provided the same documents to XXXX and it was also notarized. 

Equifax under confirmation # XXXX letter sent on XX/XX/2023 stated that they sent me out two notices so that they can correct the problem. I only have the one notice which is the only letter they sent me. I will provide a copy of the letters both CRA 's sent to me. I will also include a copy of the letter from XXXX removing the adverse information that resulted from being a victim of XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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 2022-04-28
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. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-12
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: Santander Consumer USA Holdings Inc. (PA)

I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I reported wrong address twice but it hasn't changed I live at XXXX XXXX XXXX XXXX XXXX do XXXX for 20 years not at XXXX XXXX XXXX XXXX XXXX do XXXX my husband and his mistress are at that address
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 

On XX/XX/2020 and XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. 

This is to confirm that this is sent directly by me.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I have received a call for a vehicle that has been paid off twice now thru collection agency 's. They keep coming after 7 years. Now I am being threatened a lien on my bank accounts. I do not know what to do car was resold and settled after repo.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected on my credit report
Consumer complaint received 2021-08-13
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. (CT)

I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but Experian in collaboration with XXXX XXXX XXXX XXXX are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was in process of purchasing my first home. Lender had offered me a home insurance policy prior to closing date and the amount it would cost I followed up by shopping my own insurance for home I purchased home insurance through different company contacted my lender told them of purchased insurance and corresponding information to access the insurance binder. I also asked them to not purchase the insurance that they offered to me for home I said i was not interested I have it in writing I also have it in writing that they said that message was recieved that i was not interested. I shared new insurance for home this was all taken cared of weeks before closing date. I closed on home and about 1 1/2 months in when making first payment i reviewed billing statement and escrow payments and funds. Noticed that there were 2 open home insurance policies the one bought and the one they were trying to sell me. Payment was made in full to wrong company using my money i placed in escrow. I contacted both Citizens Bank and XXXX XXXX XXXX company to compensate me for error and have the insurance closed I was notified payment has already been received and they would close the account a check would be mailed out to me. I received the check in return there was not a full refund with approx XXXX $ difference what should i do next I am positive this is either human bank error or the old who gets an envelope game that is all so common in todays real estate market
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a capital one credit card in XXXX of 2018, to this day XX/XX/2018 all 3 of the credit bureaus do not list this account on any report.. I have contacted capital one bank about this they have told me the information was sent to all 3 of the credit bureaus, i.e., XXXX, XXXX, XXXX on XX/XX/2018, as of this Day XX/XX/2018 the credit bureaus say they have nothing?? I went through a chapter XXXX Bankruptcy " Due To Medical Bills '', I have since been Rebuilding my credit, and this missing account that is not appearing on my credit reports is hindering my success at rebuilding my credit reports and my scores.. " All I'm asking is that Capital One Bank report my current account with the Credit Bureau 's '' ..
Consumer complaint received 2023-04-04
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

I had loan accounts opened in my name and it has negatively impacted my credit ratings.  I received a call when I used to bank with them that someone had tried to open several accounts with my information so not sure how this even happened?They have placed this on my credit reports and I am a victim of fraud and identity theft and never signed any documents opening any loan accounts
Consumer complaint received 2021-12-09
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. (IL)

I am currently applying for a mortgage and in reviewing my Experian credit report I noticed that there is an account with XXXX XXXX XXXX opened XX/XX/2019 on it that does not belong to me and is in arrears causing massive damage to my credit score and preventing me from getting a mortgage. I had received alerts that my information had been found on the dark web/ black market as far as my personal. I informed Experian about it and told them that the XXXX XXXX XXXX account does not belong to me that it is fraud. I have been fighting with Experian for over 60 days with this matter and I need this account removed. I have been advised by my attorney to file legal ACTION against XXXX and Experian to cure this matter. I have provided PROOF OF A POLICE REPORT SUPPORTING MY CLAIM and Experian is still ignoring it. I have not received any information from XXXX XXXX XXXX or Experian concluding their investigations. This is not my account. It is illegal to report incorrect information to the credit bureaus. The XXXX XXXX account has not been verified with any documentation stating that this account belongs to me. No name, no number, no letter has been provided to prove that this account belongs to me.
Consumer complaint received 2023-04-04
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2020-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (ND)

I just logged into my XXXX account only to find that I had an inquiry from TD Bank from XX/XX/2020. I have never applied for a credit card with them and I live in a state that they are not known so unsure where they are coming from with this inquiry
Consumer complaint received 2023-04-04
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: Bread Financial Holdings, Inc. (AL)

In XX/XX/2022 I was in XXXX with my friend and there was a guy trying to let me sign to buy a timeshare property he asked me for my social security and ID first then J refused to buy and left XXXX months later I got credit alert that theres a credit card with their company name opened under my name, tried to reach them on their phone number they keep asking me for the social security number or the card number and dont want me to transfer the call to an agent. Im worried to have a bad thing could happened to hit my account.
Consumer complaint received 2020-06-02
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)

( 1 ) Experian has taken fraudulent actions to destroy all my efforts to improve my credit score by falsely reporting multiple charge offs ( in the double digits ) on an account with XXXX XXXX XXXX. 
Account - XXXX The charged off amount of {$1900.00} on a [ secured ] credit card of {$1500.00} is inaccurate. 
Without providing proper documentation from XXXX XXXX XXXXXXXX as to WHY Experian has recorded multiple COs on my credit report, the credit reporting agency conducted a FALSE " re-investigation of my initial disputes ( two of them ) and again inaccurately made reports on my credit file. 
The latest result of my third dispute with Experian is Report Number XXXX Generated on XX/XX/2020. 

Experian has refused to provide proper validation paper documentation/s from XXXX XXXX XXXX that it ( Experian ) utilized to update my credit report and credit score in the unlawful and illegal manner in which it did, in clear violation of my fair credit reporting rights under federal law and the laws of the State of California. 

The contact number that Experian purported to have utilized to contact XXXX XXXX as of XX/XX/2020, i.e., XXXX XXXX XXXX is a non-working number. Nor has Experian sent me any documentation sent from the address for XXXX XXXX it lists on its Re-investigation Result. That address is XXXX XXXX XXXXXXXX, XXXX XXXX, NY XXXX, which I strongly doubt is a XXXX XXXX XXXX address. 

( 2 ) Experian has refused to remove XXXX XXXX XXXX from my credit report despite having concluded a pay for delete with XXXX. Experian knows this for a fact as it now records a XXXX balance on both XXXX accounts and also knows that XXXX [ always ] does a pay and delete in similar situations.
Consumer complaint received 2020-07-24
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)

I have tried multiple times to have Experian update the information on the XXXX XXXX account on my credit report. I have furnished them paperwork to show that the account was paid IN FULL ( not charged off ), and everytime they update the account they report it incorrectly. Im extremely frustrated. The balance on the account is XXXX, it was paid IN FULL. At this point, as I have tried to have the account updated several times and the account still reads incorrectly.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (AL)

XXXX XXXX said that I opened account with them last year which is XXXX I never opened account with them it states I owe them XXXX. I have them send proof that I open account using my SSN
Consumer complaint received 2023-04-04
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. (DE)

Dear CFPB Officer, I am writing to dispute several unauthorized hard inquiries on my credit report that I do not recognize. The following inquiries should be removed from my report : XXXX XXXX  ( miscellaneous ) on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/2022 XXXX  XXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) sections 611, 609, 605B, and 616, I have the right to dispute inaccurate, incomplete, or outdated information on my credit report. However, I have experienced significant difficulties in attempting to resolve this matter with the credit bureaus. I have been unable to get a timely response to my letters or phone calls, and have even been hung up on due to a difference in dialect. 

I request that these inquiries be promptly removed from my credit report, and that the credit bureaus provide me with a written report of their investigation. Additionally, I request that the credit bureaus take immediate steps to address their customer service practices and ensure that they are able to communicate effectively with all consumers, regardless of their accent or dialect. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2021-09-09
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. (GA)

Hello I'm reaching back out to you all regarding a compliant I sent a little over a month ago about some accounts on my credit that are mine. Some of the accounts did come off but there are some still left and some inquires. Please have these accounts and inquiries removed from my credit XXXX XXXX XXXX XXXX XXXX The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm doing this on my own and need some help with this matter.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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.

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.