davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.
Consumer complaint received 2020-09-17
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: CITIBANK, N.A. (CA)

On XX/XX/2020 Best Buy reported to XXXX bureau a hard inquietud under my name that I did not authorized.I contacted both XXXX and Best Buy to clarity this issue and to creat and aleart on the XXXX bureau. They assured me everything was going to be clarify and required from me to contacted best buy to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for Best Buy credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My XXXX credit report
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My ONLY NAME AND ADDRESS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX MY ONLY JOB IS : XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES AND JOBS AS THEY DO NOT BELONG TO ME. 

I HAVE ASKED NUMEROUS TIMES TO NO RESOLVE.
Consumer complaint received 2022-04-06
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: HCFS Healthcare Financial Services of TeamHealth (OH)

In accordance to fair credit report at XXXX  account number XXXX ARS ACCOUNT RESOLUTION S has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 604 A section 2. Also states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2020-09-17
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: U.S. BANCORP (CA)

It was brought to my attention through XXXX and XXXX that US Bank is inaccurately reporting a debt. An origina student loan from 2008. They added this derogatory account and upon further research this account was paid and was never late. This account has been transferred and sold several times. According to the FCRA my rights have been violated. This company has a phone listed that is no longer in service. They have failed to validate such debt with my written signature.
Consumer complaint received 2020-09-17
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. (MA)

XXXX P XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2020 XXXX XX/XX/XXXXmountain standard XXXX arizona i am reporting a fraudelent attepmt to collect a debt that violates the Fair Debt Collection Practices Act i was notified by my mother that she revived a message on her voice mail .it plays as follows " hello this is XXXX from XXXX XXXX i have had an delivery agent out there to the property address on file and he was unsuccessful with getting some one to sign the documents today our contact is XXXX XXXX XXXX we will only be able to make 1 more attempt before we return your file as a failure to comply again our number is XXXX XXXX XXXX '' end of message from XXXX, the only word given when requesting the company name. 
i proceded to call the number and was requested to put in my moms phone number and the last 2 of my social. still no info on the company just a robot asking for personal information then i was connect to a person who request the same information and i was never told at this point it was a debt collection. i was currently concerned with how my social was obtained and she read me my first 5 digits i then proceed to ask who they were and she ignored that and told me she represents a law firm who is currently filling to courts for a 15 year old debit with wells Fargo. 
she asked if i knew anything about this and out of fear i said i remember an overdraft that was for XXXX dollars that never settled and disappeared. she said we are showing a balence of XXXX $ and we are reporting you to the bank chex system which will cost XXXX $ and placing you on a XXXX list to prevent you from opening accounts or having any check written. i said i need a lawyer and i would not answer any more questions i said this is a scam and i will not buy into it she affirmed me its not a scam how else would she have my social security number and told me shes send someone to have me sign documents and she cant just mail them i have to sign for them, which is wrong in my opinion, .i asked for the company name she replied pinnacle and her name was XXXX XXXX which seemed fake. i told her i do not approve you to do so and how will you send it if i haven't given you an address she read me an address that i didn't confirm to be mine and she insisted shes send some one out and hung up. i was never inform prior to call that this is an attempt to collect a debt or that i am being recorded i fell unsafe in my own house and fearful for my social security number being in someones hands like this i need help and i am very scared. this is so wrong for a debt collector to use such tactics to scare people
Consumer complaint received 2020-07-12
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. (TN)

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filled bankruptcy XXXX  XXXX in XXXX of XXXX  My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.
Consumer complaint received 2022-12-30
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: SYNCHRONY FINANCIAL (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-07-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-12
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. (PA)

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my XXXX  report and lastly, page 3 of my Equifax report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Consumer complaint received 2022-07-22
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-03-20
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (OR)

Dear XXXX, I am writing to present a case that is related to an unsuccessful saving account opening, which could be resulted from the bank 's internal miscommunication or potential internal misbehavior. The bank 's denial, due to a loose tracking and review of a previously closed case, is blocking my right to access my other credit card and checking accounts, as well as the request to open a saving account. 

I applied for the Citi Accelerate Saving Account on Citi 's website on XX/XX/XXXX and funded the account with my Citi checking account ( {$1500.00} XXXX right after the opening. Starting from XX/XX/XXXX morning, Citi blocked my access to my credit card, checking and the new saving accounts without any notification. 

On XX/XX/XXXX, I tried to communicate with their Twitter Ask_Citi agent, Online Chat agent, Customer Service agent, New Account Creation agent and New Account Fraud Service agent. Through the texts, messages and phone calls, I understood my access to all my accounts was blocked due to the failure of that new saving account creation. Their New Account Agent and New Account Fraud Service agent told me the failure was due to a " negativity of one account '' related to my current address. New Account agent directly told me " Citi is losing money on this account. '' I checked all my documentations related to Citi and realized that " negativity of one account '' can be traced back to my checking account application in winter XXXX. I keep all letters and checks to show I do not owe Citi a cent and vice versa. 

The New Account Fraud Service agent heard my statement and told me Citi is going to send me another debit card, but has to cancel my saving account due to that " negativity '' record, which would be on file for five years. I immediately expressed my concern toward this record because : first, it obviously introduces inconvenience to me when I have transactions with Citi ; second, Citi could possibly use the record to claim their benefit or even call for third-party collection. I insisted this false record should be removed to avoid future problems. The New Account Fraud agent refused my request for further escalation and hung up my phone call directly.

I express my wish to provide the copy of all crucial documents to help Citi clear the internal errors. However, through my communication with so many agents, I see no Citi 's agent is taking ownership to help client resolve an existing issue. This is deteriorating consumer 's rights and creating a very deep fear. I don't know who else can help and therefore I would like to seek help from this platform. If you know anyone else who can help, please pass that information to me. 

Thank you for your help.
Consumer complaint received 2022-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

In XXXX of 2006, myself and my spouse were approached by XXXX XXXX to consolidate our student loans together to lower our monthly payment. These loans have been since sold to XXXX and now NelNet. In the master promissory note, it states that if we are unable to get on an income based repayment plan, that we can have our loan type changed to be able to access such a plan. This is clearly stated in the MPN. I have been denied several times now access to any IBR, and also denied turning my loan into Direct for the sake of moving to an income based repayment plan. This is a direct violation of my master promissory note.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

I owe XXXX XXXX, and Chase Bank. The company that took on the debt, threatened to come by my house to serve me, and has harassed family members that live in other states. They also said theyd go to my family members with threatening documentation for me to avoid incarceration. 
This is wrong, and embarrassing to reach out to family I hardly speak with.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (CA)

This account was closed 15 years ago yet it's XXXX out and there still reporting it to the credit agencies I can't believe this closed out the account has been charged off sold etc another slew of violations please let them know upon taking them off my consumer report I will be filing a claim against them for violating fcra and will need min XXXX per violation
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX I dont know what more information you need I mean you do have the report in front of you correct? In the comment section the consumer dispute meets FCRA requirements is missing. Experian refer to FCRA 623A ) b this information is required 30 days of a completed investigation. You know you this and I do too. Not sure why you are playing and FDCPA 806 explains it as well Explain to me whats your take of those statues
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I disputed a public record from my Experian report that doesn't belong to me and it came back verified by the company. What company was it that verified it? This account can't be verified because it doesn't belong to me. XXXX XXXX doesn't have it on my report anymore so I want to know how was the account verified? This is fraud and false information being used against me. Please remove
Consumer complaint received 2022-03-09
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX from XXXX XXXX account opened XX/XX/2019
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in XXXX and Transunion responded and still did not remove the items however XXXX did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : XXXX - XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX XX/XX/XXXX