davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, 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. (NY)

I have tried to get both XXXX and Experian to update my current address as well remove out dated debt that was involved in identity theft of my report. Some of these items have been canceled via 1099C which I have provided and explained to the reporting agencies. They are reporting these debts monthly that have been canceled and I am.not sure what they are validating when I place the dispute to have this information corrected and or removed. As well I reside in XXXX.and they have not updated my credit report address and refuse to remove addresses over 10 years old off my report. 
XXXX also has my account in XXXX XXXX  never can validate my information as a US citizen. 
I have attached my information so they can't say they don't recognize me. License and last four of social.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

XXXX XXXX XXXX is misreporting on our credit reports from XX/XX/XXXX XX/XX/XXXX. We demand a full removal of the lates and that any fees that were charged in error be reimbursed to us. 

We have been true to XXXX and used them for our last XXXX XXXX auto loans. 
We are extremely frustrated, as after wasted hours of research, challenging, and disputing the lates, they have yet to be fully corrected. 

See our XXXX dealership 's letter showing we traded in our vehicle in XX/XX/XXXX and that they admit they failed to process the trade-in timely and correctly pay off our old XXXX loan. This has resulted in a XXXX point drop in our credit scores and is stopping us from getting our home loan. 

Screenshots included : Our new loan established XX/XX/XXXX for our new vehicle. As you can see XXXX had no problem quickly reporting this new loan and collecting on it. 

You can see our old XXXX loan from XXXX was eventually paid off ; however, it took 5 months for this loan to finally show paid off. I was told that the pay-off was misapplied to our new loan vs. paying off the old loan, which is supported by the screenshots of the XXXX accounts. Regardless of what happened, it wasnt our fault, and we demand our credit reports be immediately corrected and that we be reimbursed by XXXX for all of the extra fees they collected at pay off in error. 

The third image is a letter from XXXX XXXX dealership admitting they failed to pay off our trade-in vehicle timely, which caused the error to begin with. 

I have also included screenshots of my XXXX XXXX 's XXXX and XXXX 's credit reports addressing the late marks.
Consumer complaint received 2022-10-18
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. (SC)

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX  XXXX : XXXXEquifax XXXX  : XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX : XXXX XXXX  : XXXXEquifax XXXX : XXXX XXXX  : XXXXEquifax XXXX  XXXX NA : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXXEquifax XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX OF XXXX : XXXX XXXX OF XXXX : XXXX XXXX  : XXXXEquifax XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX  : XXXXEquifax XXXX XXXX  : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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 2022-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2022 there was a transfer of {$400.00} plus a {$4.00} fee out of my PayPal account sent to an individual I do not know and I did not add the contact or make the transfer. On the same date I found unauthorized activity in my bank accounts. I contacted the bank immediately and they assisted with account closures and filing the disputes. I filed an identity theft report at XXXX. I am pulling together all of the paperwork to file a police report. I contacted PayPal and told them this was unauthorized and I am a victim of identity theft, but their response was it is not covered under their buyer protection plan.
Consumer complaint received 2022-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

IC System reporting debt to credit agency that doesn't belong to me I have asked for documents with my signature never received anything. Both account for XXXX and XXXX has the same account number different amounts. Have disputed this company with credit bureau the updated credit profile in 24hrs with not any proof or providing me with any new information. XXXX is one account XXXX is one account and XXXX is one account
Consumer complaint received 2023-04-21
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: Early Warning Services, LLC (DC)

I would like to submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent modeling opportunity that resulted in identity theft and a negative report on my early warning record. 

On XX/XX/XXXX, I received an email from scammers offering a modeling opportunity. Their email address was XXXX. After applying, they responded on the same day congratulating me on my acceptance and stating that they would send a pre-payment check. The check was sent on XX/XX/XXXX, and the scammers took a picture of the postal outside my door through SMS from their phone number XXXX. I deposited the check immediately, but my bank informed me that it was a fake/bad check. My account was closed permanently and reported to credit bureaus, which caused difficulty in opening new bank accounts due to early warning reports. 

I provided necessary documents to early warning credit bureau such as the police report, conversation with the scammers, email address, phone number, and FTC report to early warning via fax. These documents clearly indicate that I was a victim of identity theft and had no knowledge or involvement in any fraudulent activity. The scammers had access to my personal information such as my full name, address, phone number, Social Security number, and bank account details. 

This unfair report on my early warning record is affecting my ability to conduct financial transactions and obtain credit. I believe that this report was filed wrongly and unfairly, since I'm also new to the system and the country. I have provided all necessary evidence to support my case and request that the CFPB remove this report from my early warning record. 

Please contact me at ( XXXX ) and/or ( XXXX ) to discuss further and provide a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MO)

Amsher collection service, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX, placed a phone bill debt on my credit report. this phone bill debt is a result of someone using my name to get a phone.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (TX)

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. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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 2024-10-22
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-05
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. (IN)

XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Santander Consumer USA Holdings Inc. (NY)

Every time I call santander to process a payment over the phone with their customer service, my payments never processes and I constantly hit with a 30 day late pay on my credit score it have happen 4 different times. Everytime I submit an investigation it take me to call them no less then 5 times to get the situation resolved and they constantly claim they do not have records of my calls but every call is recorded and when I asked to have the recording pulled so they can see I called to do a payment it turns out I am correct.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2021, I found an unauthorized charged from XXXX XXXX totaling {$19.00} from my deactivated American Express Serve XXXX XXXX XXXX. 
On XX/XX/2021 I opened multiple dispute cases for 37 charges totaling {$4300.00} as I informed American Express Serve, I did not authorize them which includes the unauthorized charged from XXXX XXXX on XX/XX/2021 totaling {$19.00}. I also asked American Express Serve to deactivated my card ending on that same day. The reason I asked them to deactivate my old card is to stop the on-going unauthorized charges. 

However, not only American Express Serve have declined my dispute 3 times already for the 37 charges totaling {$4300.00} without any explanations, but also they still allow the same merchant I have disputed before did another unauthorized charge on my deactivated card. When I contacted American Express Serve on XX/XX/2021 regarding how to stop XXXX XXXX charge from me on my deactivated card, one of their agents told me they have no way to stop that except closing the account or I have to contact XXXX XXXX by myself. How is that possible? I requested to talk to the supervisor, their agent told me the supervisor would tell me the same thing. That is ridiculous. 

I have confirmed the suspect who made all the transactions without my authority and also provided the evidence showing the suspect made a transaction on XXXX  using my card without my authorization to American Express Serve. They still declined my dispute.
Consumer complaint received 2021-02-21
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: The Bureaus, Inc. (WA)

THE BUREAUS add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Consumer complaint received 2022-09-23
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. (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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX  XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/20
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Paid off auto loan in full on XX/XX/2022. Have not received clear title or notice of date expected to receive title. My payoff check had cleared my bank immediately. Calling Hyundai Motor Finance gets me NOWHERE!!!!! No option for speaking to a real live person who can tell me what's going on. No address for contacting via email. Who is monitoring payoffs and clear title requests?????
Consumer complaint received 2021-11-12
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

XXXX Bank  aka chime still refuses to refund me back XXXX XXXX a XXXX account that was not in my name and that I didn't authorize, and also for XXXX bank program fee of XXXX that I didn't authorize and I notified them of my complaint with u guys and my FTC Report
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX and Chexsystems reporting XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$XXXX}, a personal loan account opened at XXXX XXXX XXXX  in on XXXX of XXXX for {$XXXX}, a credit account at XXXX  with a balance of {$XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 
Inquiries found on XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.