davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
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. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00}
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I acknowledge the time you have dedicated to rectifying the presence of fraudulent entries in my file arising from an alleged identity theft. However, several items still persist that necessitate removal. This marks my seventh complaint regarding identity theft victimization. In accordance with the Fair Credit Reporting Act Section 605B, ( a ), it is mandated that you expeditiously eliminate any items opened without my knowledge, consent, or authority within four business days. This removal requires the submission 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 affirming that the information does not pertain to any transaction by the consumer. The following fraudulent items require removal : -- -- -- -- -- -- -- EXPERIAN : 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 2024-01-15
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (TX)

This account was charged off by the company and is still reporting a balance to the credit bureaus XXXX, XXXX and XXXX. It is my understanding that after the account is written off as a loss the balance should be XXXX.
Consumer complaint received 2024-01-13
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. (NY)

I previously disputed with Experian directly as well as thru the CFPB website, regarding inaccurate information regarding my XXXX XXXX XXXX XXXX. I had returned my XXXX XXXX XXXX at the end of XX/XX/XXXX, purchased a XXXX XXXX, and the remainder of the lease was paid in full. My obligation per my lease agreement was satisfied. The balance that was owed to XXXX was for excess Mileage and taxes. I received a Statement from XXXX in XX/XX/XXXX, made 2 payments to XXXX. I called XXXX late XX/XX/XXXX or early XX/XX/XXXX to discuss payment options on Balance. An agreement was made for me to pay {$1000.00} and the account would be closed. Which is what I did. There was Never a Late or Missed Payment. My Experian Credit Report as well as my Credit Score, and my online Experian all indicated that I made late payments 30 + days & 60 + days, that my last late payment was XX/XX/XXXX, and I have Serious Delinquency. Experian verified with XXXX that I never made a Late payment, my Credit Report was updated to Reflect that. I thought by Experian making the changes on my Credit Report everything would automatically update, this Did Not Happen.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank Prime Equity Line # XXXX. Loan Balance {$9700.00} On XX/XX/2017, paid it off in full. On XX/XX/2017, Later Got balance Notification of {$36.00} paid XX/XX/2017 {$36.00}. Kept getting Email and messages on Web site for non-payment. Made 2 visits in person to Bank Branch, got assurance, will be taken care in 48 hours. On XX/XX/2017 got another email.. Went ahead and paid {$100.00} ( Minimum payment due ). On XX/XX/2017, Got another E-messages " Delinquent Payment ''.
Consumer complaint received 2024-01-13
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-01-15
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. (IN)

I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for XXXX  XXXX and to my dismay they verified the reporting saying it meets FCRA requirements. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I have attached a screenshot of the reporting for the XXXX XXXX* and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with Capital One police report attach.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (NJ)

A fixed rate XXXX XXXX XXXX ) was refinanced in XXXX for XXXX loan. The servicer of the loan is also expected to make the home owners insurance and property tax payment and it is New York Community Bank, headquartered in XXXX, New York. Servicer address is XXXX XXXX. The servicer increases the monthly balance due using an annual mailing entitled, loan analysis, without providing adequate justification. Specifically, The property taxes have remained between XXXX annual since the inception of the loan and the home owners insurance has increased from approximately $ XXXX XXXX per year, the monthly payments has increased using the annual analysis from approximately XXXX per month to the most recent XXXX during this period. The bank does not provide the requested details showing the method it uses to determine the amount of shortage. The annual increase in monthly payment amounts for the most recent year is XXXX and it exceeds the payments due for the noted variables of insurance and taxes. Accounting for the life of the loan, the accumulated amount would approximately equal ( XXXX X XXXX years= XXXX ) Upon inquiry, I have received a letter dated XXXX/XXXX/XXXX, explaining that as of XXXX XXXX, the loan servicing organization would be XXXX XXXX customer service, with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Would you please offer a response that would allow me to address this issue if in your opinion there is matter for me to pursue, including the need for investigation or legal services if necessary. 
Thank you.
Consumer complaint received 2024-01-15
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. (FL)

I sent my letter off on XX/XX/. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out through certified mail. 

According to the FRCA, the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of such information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX. ) XXXX : XXXX 2. ) XXXX : XXXX 3. ) XXXX : XXXX
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

An unauthorized transaction ( check ) was completed on XX/XX/21 for {$1400.00} from my Citizens Bank Checking account. I reported transaction by phone and in person on XX/XX/21. 

They can not or wont provide a copy of the check. I have met with them and called them multiple times to try to have resolved. 

Citizens Bank is now stating that the hold up is with XXXX XXXX not reversing the charge yet. XXXX XXXX tells them that the delay is because they are very backed up. Citizens Bank has offered a provisional deposit but I have since closed my accounts with them.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My dispute is with capital one nd their redicilous fees and increase interests rate I always pay before the due date this month do to my unusually stress I thought I allready made the payment When I called the customer service I noticed high minimum due increase So noticed that I did forgot to make a payment Now is this ok for me to get punished this suvirly Capital one took very stiff harsh unnessadery action by increasing my minimum due and increasing my interest rate
Consumer complaint received 2024-01-15
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated 15 USC 1681 SECTION 802 A. STATES THAT I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A. SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT PERMISSION AND OR WRITTEN INSTRUCTIONS
Consumer complaint received 2024-01-15
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. (FL)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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 2024-01-15
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, addresses and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-08-05
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. (NY)

Transunion has falsified information violating my right to credit. They have continuously created false inquiries which they have no authorization to, and shared information publicly by doing business with corporations. As stated on the transunion credit report as of today XX/XX/XXXX I have a total of XXXX inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
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)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Yes I have sent out multiple certified letters to this credit bureau. Each time they have claimed the accounts were verified and reinvestigated. However they have not shown any proof and there are still inaccuracies and misreporting on my credit report. The incorrect accounts are the following, DEPT OF ED/XXXX  Account # : XXXX, DEPT OF ED/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX Account # XXXX XXXX. I will be attaching a credit report from XXXX today and they have removed all these accounts. This not only proofs the accounts were inaccurate but that this credit bureau has violated multiple FCRA laws. These accounts must be resolved and removed ASAP.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

Aidvange sold my student loans to XXXX in XX/XX/XXXX. As of XXXX, XXXX, XXXX they are still reporting balances to all XXXX credit bureaus and now it looks like I owe triple the amount in student loans. This is affecting my ability to assume a mortgage and I am requesting assistance removing these inaccuracies from my credit reports.
Consumer complaint received 2020-05-11
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. (IL)

on XX/XX/XXXX and XX/XX/XXXX I filed a dispute with equifax according to the fcra 6 section 609 I haven't received any correspondence from them
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear CFPB, I received a copy of my Experian and XXXX credit report, I noticed some late payments posted on my credit report. Ive contacted them directly, but they are choosing to ignore my request. The account is paid and closed. My request is for them to adhere to the law and correct important errors that has been negatively effecting my consumer report. 
XXXX XXXX XXXX XXXX : Account number XXXX. 
XXXX XXXX XXXX XXXX is in clear violation of the law. XXXX XXXX purpose of consumer report, The law clearly states : ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I never gave written instructions to furnish this information on my credit report!

Furthermore, the fair credit reporting ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681
Consumer complaint received 2024-01-15
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. (NY)

I am writing to alert you about a concerning and crucial issue concerning the compromise of my social security number, leading to my victimization in a data breach and identity theft. To address this promptly, I've already reached out to the Federal Trade Commission and submitted an FTC Report with the reference number : XXXX, which is included with this letter. 

Under 15 USC 1681c-2 c ( a ), it is vital that, as a credit reporting agency, you take immediate action to block and eliminate all information linked to this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly handle such requests within four business days of receiving a complaint that includes specific information, as outlined below : - XXXX XXXX Charge-off {$4600.00} - XXXX XXXX XXXX Charge-off {$4900.00} - XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$4900.00} XXXX XXXX XXXX XXXX Charge-off {$4100.00} - XXXX XXXX XXXX Charge-off {$5600.00} - XXXX XXXX XXXX XXXX {$16000.00} - XXXX XXXX XXXX Charge-off {$16000.00} - XXXX XXXX XXXX Charge-off {$16000.00} - XXXX XXXX Charge-off {$16000.00} - XXXX XXXX XXXX XXXX | XX/XX/2022
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Dear Sir or Madam : I am writing to file a complaint against the following third party companies trying to collect on a debt for almost 2 to 3 years now that does not belong to me. I have written them along with all 3 credit bureaus to validate the debt with a copy of my Photo ID or signature, however it has never been provided. They are only sending me a copy of a bill with an old address and they are still reporting this debt. 
XXXX XXXX XXXX # XXXX {$410.00} Acct closed XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX # XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX {$210.00} XX/XX/XXXX 2 ACCTS : PORTFOLIO RECOVERY # XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AND {$510.00} XX/XX/XXXX XXXX , VA XXXX
Consumer complaint received 2024-01-15
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. (CA)

Hey i am a co signer for XXXX XXXX and I need help with my credit report there is alot of errors I received a charge off after a total loss I have proof that the creditor/bank sent me a letter stating the account was paid in full and never received anything regarding a remaining balance they keep reporting the charge off every month I tried to dispute multiple times but they will not correct it they are reporting late payment and the charge off every month which is affecting me a lot the amount of the charge off is {$2400.00} lam now being harrased by 2 collection agency XXXX XXXX and XXXX XXXX XXXX  I refuse to pay a collection that is not mine or had no knowledge of after my total loss accident since they bank sent me a letter saying " As of the date of this letter, your account is considered as paid in full subject to a final accounting and receipt of good funds. '' please help me pleaseeeeee