davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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)

I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going back to XXXX  and it continues etc. Experian has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than XXXX days after receipt to correct these issues.
Consumer complaint received 2021-11-02
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. (WI)

I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to my credit report
Consumer complaint received 2021-09-25
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: CITIBANK, N.A. (GA)

I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-17
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: PNC Bank N.A. (CA)

A merchant, named XXXX XXXX XXXX, fraudulently took {$440.00} from my checking account after lying about making repairs to my camera that were not made. The merchant is located several XXXX miles away from my home which made it impossible for me to visit. I shipped my camera, via XXXX, to the merchant. 
The merchant notified me that the camera was " repaired '' and demanded payment before returning my camera. I was forced to pay the merchant without having knowledge that my camera had not been repaired and was still broken. 
The merchant cashed my check and, about XXXX weeks later, returned my camera to me in a state of disrepair. I contacted the merchant and attempted to demand a refund but the merchant was uncooperative. I subsequently contact PNC Bank, described the situation thoroughly, and asked for its assistance in recovering the funds. 
PNC Bank did nothing to recognize that I was a victim of fraud and essentially supported the fraudulent act of the merchant by admonishing me for not putting a stop pay on the check. PNC absolutely refused to recognize that I could not stop pay a check BEFORE my broken camera was returned to me which is before I knew I was a victim of fraud. 
PNC appears to be disinterested in protecting its account holders from merchants of fraud and will not adequately resolve account holder 's complaints about fraudulent transctions.
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Here is my original complaint #, with XXXX satisfaction :. 
XXXX The " company response '' was to send me a another " late '' bill with an added XXXX " late '' fee. They still can not accept payments online, through their app, or via phone.. I am not paying any of these fees, they're all as a result of their payment processing failure/non-existence, seems like a pretty good scam to me.. I want the account closed and their illegitimate fees withdrawn.
Consumer complaint received 2020-11-16
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: Conn's, Inc. (TX)

On XX/XX/XXXX, I went to Conns HomePlus to apply for their leasing. I was approved for the leasing but they signed me up for a credit card and I never authorized that. I called multiple times and was told theyll mail me paperwork to fill out. The lady didnt even know my address or my information so Im assuming it was just a tactic to get me off the phone. No one can help me resolve this. Ive had leasing with them before and I finished paying it off so I went for another one. I did not want a credit card.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (CA)

I applied for a Credit card with U.S. Bank and was approved for {$1000.00}. I did not want the card and let them know within 1 hour of receiving it. I ask them to not activate it and to cancel my application. They said they ca n't. This Credit card from U.S. bank will hurt my credit report and score so I did n't want it. I told supervisors with U.S. Bank That I did not want the card but they are forcing it on me. This does n't seem right. I never used the card but they say that it activated and they ca n't cancel it without it being on my credit report as a canceled card. Their own representative told me the card was the wrong credit card for me. Yhey are using my good credit to hold me as hostage to this credit card knowing it will hurt my credit report. So now I 'm XXXX if I do and XXXX if I do n't. If I keep the card it will hurt my credit report and if I tell them to close an account I did n't open it will hurt my credit report. Is n't that what the " Consumer Financial Protection Bureau. I have a XXXX credit score and now it will be damaged by U.S.Bank because they are greedy and do n't do the right thing for consumers.
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (NY)

I am being trying endlessly to reach Equifax credit report company When trying logging there is always A problem When I do log in it will stop working Or freeze Then i find it impossible to reach Them over the phone as the answering System would not direct you to a customer service representative Other credit repotting was easy to reach And dispute a problem or a case Since the pandemic started my credit got Destroyed by agencies not responding In order to update and solve a problem From a perfect credit to fair credit co-signed cars where the reporting agency Would not give a fair warning to try fix the problem As of lack of good credit I had to apply for Other credit venues which end up taking my credit even lower while paid all And the favor always goes to who Ever sends a late or unpaid bill Which could have been resolved in an instant with a worming! 
All started in XX/XX/2020 till today!
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (WI)

Mohela is reporting transaction history on my credit report and according to the Master Promissory Note they will not report transaction history. This is also a violation of my privacy under the Family and Privacy Act of 1974. You can not report without my consent. The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

Credit reporting is also incorrect.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Resurgent Capital Services L.P. (GA)

I was shocked when I reviewed my credit report and found 120 days late payment. 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.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

Good Morning. I have a large amount of student loans with Nelnet. As soon as the XXXX application was rolled out, I applied. Nelnet is unable to calculate my payments, so they have put me in an administrative forbearance. Right now the forbearance is set to end in XX/XX/2027!!!! I am currently accruing interest at about XXXX a month. I have reached out to them, and they state I will be responsible to pay back all this interest. I need help getting them to calculate and place me in the XXXX repayment plan. Please help!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is putting an irrational and excessively long holds on my money/deposits in my Business checking account. This is absurd, fraudulent, and harmful to me, my business and my credit report! See attached document, showing a hold/pending credits of {$3500.00}!!!
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hey was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/2023. Complaint # XXXX But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OH)

I went to us bank for one more attempt for home loan I gave him all the info even got letter from job, it buy itself was a task He said that's all we need, I cant count how many times I heard that After I got that he said he need my car payment knocked down I forgot to mention he started acting out, right after I talked to his management so I'm still sitting over my brother looking for help with my home buying process please if you can help please do something Now
Consumer complaint received 2024-01-16
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. (IL)

According to the most recent reinvestigation conducted on XX/XX/XXXX Report Number XXXX, I am seeking clarification on the verification process and the method employed to substantiate the reported information. As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), Experian is mandated to perform a reasonable reinvestigation when a consumer disputes inaccurate and unverifiable items on their credit report. I am seeking detailed information on how the recent reinvestigation was carried out, including the method of verification. 

Verification Method : How was the information verified during the recent reinvestigation? 
Specify the method used, whether through written communication, electronic verification, or other means. 
Person Contacted : If a live person was contacted, kindly provide the name, title, and phone number of the individual. 
If the verification was conducted through a phone call, please include the date and time of the call. 
Transcript of Call : If a phone call was made, as calls are recorded, I request a transcript of the call, including the date and time for verification purposes. 

If Experian is unable to provide the method of verification in accordance with the FCRA, it raises concerns about the legitimacy of the recent reinvestigation and I would like all the items DELETED from my credit report.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I already reached out to TRANSUNION, to XXXX XXXX and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.
Consumer complaint received 2016-07-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (CA)

I just received on mail a letter from this debt collector Northland Group Inc. claiming I owe {$1100.00}. 
I do n't know where this amount is coming from so I would like to ask the CFPB to look into this matter as well I 'm sending a debt validation letter attach here to.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

I reached out to Nordstrom also i spoke with them so many times also send letters in what they asked for they responded back with another account I dont have no knowledge about the correct account Im complaining about is account number XXXX i was the open the account in 2015 but someone got my account and made charges my wallet was stolen out my car my identity been stolen before prior to this and all Im asking for is the charges i didnt make be removed and my account be fixed
Consumer complaint received 2024-01-16
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. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Three late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANKMOBILE TECHNOLOGIES, INC (AL)

Bank Mobile is furnishing inaccurate information to XXXX XXXX XXXX. XXXX XXXX has been notified that the information is inaccurate and due to fraud that has been being reported and is a direct violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies which states : Reporting information with actual knowledge of errors 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. 

This account was created due to fraud and not my authorization. It is affecting me opening an account at other banks.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (WI)

Filed a complaint with CFPB on XXXX complaint number XXXX. 
Complaint was for fraud wire transfer by a company. 

Company responded with its final answer exactly on the 60th day. 

The answer said they contacted me, they never did They also said they contacted the merchant when they could not have since the state of Wisconsin put them out of business for their part in this scheme. 

Then the second part of the response states that their fraud department is still working to resolve this matter. How can this matter be considered closed by.the CFPB? I have been going in circles with these people and they respond to the CFPB with this sort of answer and you just close the investigation? 
This matter is not resolved when the company clearly states it is still investigating the matter.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

Dear Experian : Im responding to the verified no-change letter you sent me for collection account.

1. This account was PAID as AGREED. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. This account PAID and AGREED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc. (NJ)

When my wife and I used a XXXX walk-in clinic they sent lab tests to XXXX XXXX that was not an approved vendors by the XXXX  insurance company providers. The clinics probably got rebates or could even have had a financial interest with or in XXXX XXXX. Savit Collection Agency, in XXXX XXXX, XXXX XXXXXXXX, Tel # XXXX, bought this debt. of what they claim is {$530.00}. All I keep asking for is a detailed accounting of my accounts, how the payments I sent them were applied and to which accounts. They refuse to do so. All they keep doing when I dispute the collection with the credit agency, XXXX, is saying they " Certify '' the claim is valid. How can they certify something they can't prove? This company has impacted my credit score extremely adversely. I went from XXXX down to XXXX. That is a huge negative impact and one that is not deserved. If they were willing to provide me with the reconciliations and prove me wrong I would have paid before we got here.