davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (FL)

My name is XXXX XXXX, I am writing this complaint on my own behalf their are no third parties involved. I have been a victim of identity theft, and there are still remaining fraudulent accounts listed on my credit report that are delinquent, and have been furnished to my report without my written nor expressed permission. This is a large issue, to be presented to Experian due to the continued efforts on my end to have each of these accounts removed and resolved at once. The accounts I have disputed these fraudulent accounts that are in my name over 7 times now and theyre negatively affecting my credit file. The following accounts on my Experian report need to be removed : XXXX XXXX {$6100.00}, XXXX XXXX XXXX XXXX XXXX {$4000.00}, XXXXXXXX XXXX - {$3000.00}, XXXXXXXX XXXX XXXX {$5400.00}. Not only are these accounts fraudulent but these same accounts are reporting completely inaccurate information acrossed all three consumer reporting agency reports. It is the responsibility of Experian to be reporting 100 % completely accurate information, and at this time, they are not doing so. This is breaking the law, and preposterously making use of my credit file to illegally furnish said accounts that ARE NOT MINE.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX - I've signed up for XXXX XXXX Newsletter ( recurring charge of {$550.00} per 3 months ) with my card ( acc ending with XXXX ) In following year made 4 payments to XXXX XX/XX/XXXX - received year free subscription due to poor service from the newsletter XX/XX/XXXX - cancelled my subscription XX/XX/XXXX - called CITI to close this account ( concern about being charged again despite cancellation ), CITI associate advised that no need to close the account - changing card number will be enough. 
XX/XX/XXXX - received new card ending XXXX XX/XX/XXXX - new charge of {$550.00} from XXXX to new account ending XXXX which I've never given out to the newsletter Immediately opened dispute - initially charged was reversed and acc changed again to XXXX XX/XX/XXXX CITI put back the charge back on and started charging me interest. 
I've made many attempts to resolve this and was assured the dispute is still opened and will be resolved - so far no luck. 
I think I've done all I could to prevent this outcome and this a negligence on CITI part - I shouldn't be the one paying for someone else 's mistakes.
Consumer complaint received 2023-07-26
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. (FL)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. 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 at all times. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) 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 on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-06-28
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. (DE)

I am writing to file a formal complaint regarding the reporting of accounts without my permission by a consumer reporting agency, in violation of the provisions outlined in 15 U.S.C. 1681b and 15 U.S.C. 1681a ( 2 ) ( b ). I seek your assistance in addressing this matter and ensuring compliance with the applicable laws. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the specific sections mentioned above, I have the right to control the disclosure of my personal information and to provide explicit consent before a consumer reporting agency furnishes my account information to third parties. However, despite my explicit denial of consent, I have recently discovered that certain accounts have been reported without my permission. 

I have sent multiple disputes to the consumer reporting agency, clearly stating my objection to the reporting of these accounts and explicitly withholding my consent. Regrettably, the consumer reporting agency has either failed to respond to my disputes or has disregarded my requests, continuing to furnish the disputed accounts without valid authorization. 

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take the necessary steps to ensure compliance with the FCRA. Specifically, I seek the following actions :
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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.The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-26
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: Colony Brands, Inc. (TX)

XXXX was contacted regarding my current credit report to see if items can be removed. This was when I was told that even when a bankruptcy is filed, the items still can report. however, some items should not have been on my report even prior to reporting. I was told that cause it was included on my bankruptcy that it couldn't be removed even though the item should have already reached the 7 year limit before bankruptcy. 


Agencies XXXX, and XXXX
Consumer complaint received 2020-06-26
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: Westlake Services, LLC (GA)

I have never applied for credit with Westlake. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law Westlake has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving Westlake 7 days to remove all inquiries from my credit report or I will file a lawsuit against Westlake. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (AZ)

I enrolled in a forebarence in XXXX. My XXXX payment was skipped. Citi still withdrew the monthly payment XX/XX/XXXX despite this. I called them on XX/XX/XXXX and could not reach anyone due to phone issues. I contacted someone via chat. They assured me it would credited in XXXX days. As of XX/XX/XXXX it had not been credited back. I contacted them again and they said they could not refund despite me having it in writing. I am also receiving NSF charges from my bank due to this.
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (FL)

As of today XX/XX/2020 when checking credit report XXXX has reappeared on credit. report. Please remove now this account was reported as fraud and successfully removed back in XX/XX/2020. This account was not opened in my name and was removed from my account when the fraud alert was removed the account has reappeared.
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (TX)

a ) My credit application for MB Financial was for {$72000.00} to buy this car but at the end of the contract they added lot of fees and charges and brought the final loan amount to {$87000.00}. 

b ) The finance manager talked about his vacation and all kinds of things when I signed the contract on a little XXXX where I could not read. I need reading glasses to read such small fonts and I requested for a reading glass but they said they do not have it. 

c ) Once I got home and read the paperwork To my surprise the total loan amount is more then 20 % of what I had originally requested with MB Financial to buy the car.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I logged into my XXXX credit monitoring account, in response to an email alert that I received on XX/XX/XXXX. XXXX showed that a new account had been opened using my information with Capital One 360 on XX/XX/XXXX. XXXX Screenshot of alert attached. ) I contacted Capital One 360 on XX/XX/XXXX at around XXXX XXXX  Eastern, and they confirmed that an account had been opened for a minor, and that my SSN had been associated with the adult co-signer on that account. Because all of the other personal information was not mine, they said that most likely there was an input error of my SSN, which is a reasonable possibility. They told me that they closed the account immediately and will reach out to the customer to get updated SSN and identity verification. All of that is reasonable. 

My complaint is that I have had long-term security freezes XXXX since XXXX XXXX on my credit reports with XXXX, XXXX  and XXXX  due to a prior identity theft. Capital One 360 opened an account using my SSN, even though the security freezes were on my account. Capital One 360 would not tell me their process for verifying information before opening new accounts, but the fact that they made the error in opening the account suggests that they either did not check with the credit reporting agencies to ensure that my credit was not frozen, or they ignored the fraud alerts/freezes when opening the account. 

I will be glad to provide further identifying information if needed, but because I do not have a Capital One 360 account number, and because the customer account was not opened using my address, I am unable to provide that information requested by the CFPB. I have, however, attached a document that includes the last 4 digits of my SSN.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (VA)

On XX/XX/2023, An inquiry made by XXXX XXXX  also known as XXXX XXXX XXXX XXXX . solicited a credit report on me. I did not solicit any services from XXXX XXXX  in any recent years for their to be cause on the part of the Bank to make inquiries into my credit reporting history. I have filed a report with the credit reporting agency Experian which is the only credit reporting agency currently displaying the inquiry on my report. I have crossed checked with the other credit reporting agencies such as XXXX, and XXXX. XXXX is currently processing my fraud dispute on this inquiry.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer Bank of America at least $ XXXX. We have been divorced for nineteen years. I have never had an account with BOA. I have never acknowledged this debt. It is not mine.
Consumer complaint received 2023-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Mohela is withholding, as the federally contracted education loan servicer, XXXX of the COVID forbearance education loan payment refunds that I requested on XX/XX/XXXX. Each time Mohela has processed a refund payment though the US Treasury, it has changed my zip code in my contract information in my account profile. On XX/XX/XXXX, the first refund payment issued by the Treasury was mailed to a DC area zip code instead of my zip code in Texas, although the rest of my address remained a Texas address. That check never reached me, and Mohela staff told me it was returned to the Treasury for an incorrect zip code and the check was cancelled by the Treasury. On XX/XX/XXXX, Mohela issued the second refund payment through the Treasury to a XXXX zip code instead of my XXXX zip code that I had corrected in my profile last winter. My zip code was correct in my education/servicing agent profile before the XXXX check was issued and i had corrected after learning that the check was returned. Then, I looked at my profile after Mohela advised me that a second check was sent and the zip code had again been changed from XXXX to XXXX. I did not change it myself, so it had to be changed by Mohela staff, clearly with the intention of preventing me from receiving the refund checks both times. I feel like I am being scammed. On XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX from Mohela advising me they are researching what happed to the first check sent in XX/XX/XXXX - after their staff told me last winter that the Treasury had cancelled the check when it was returned with a bad address by USPS. It appears evident that the " we need to research this '' tactic- when they already know what happened to the check issued in XXXX- is merely a stall strategy in an attempt to not have to pay the funds or at a minimum delay the payment of the refund. It would be really convenient to tell everyone who requested their COVID forbearance payments refunded and then consolidated their adjusted balances, that the refunds are just taking forever ... .people might die, forget or just not continue to press for it. In my case, I had paid down my total education loan balance to {$16000.00} during the forbearance period. Pretending to refund me COVID payments, Mohela processed my loan consolidation request for {$30000.00}. ff they never actually made the refunds I requested ( which they by the way offered to make ), then Mohela would pocket {$13000.00} and could probably hide that in their accounting bookkeeping in some fashion. Again, this feels like an attempt to scam customers. Thank you for addressing this.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (VA)

I recently went to purchase a new XXXX vehicle only to find that I was denied due to an error on the part of GM Financial by not accurately accounting for the last lease payments I made in the amount of {$1300.00} on XX/XX/XXXX, which was a day after I turned in the old lease and was the amount I was told I needed to payout to close the lease. As you can see from the attached, on page 1, second item down, I pulled all of XXXX 's electronic payments from my bank and I am in receipt of an electronic payment ( with confirmation code ) from my bank that shows payment of {$1300.00}. Also included on page 3 of my monthly bank statement shows payment made to GM Financial on XX/XX/XXXX in that same amount. 

I have requested, multiple times, that GM Financial immediately correct this error and close this account, contact all three credit bureaus and restore my standing in good faith. 

I also received a credit denial ( attached ) as a result of this action which has destroyed my credit in the process.
Consumer complaint received 2023-06-29
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-01
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. (GA)

My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-07-01
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. (TX)

Experian sent me an email that report was complete. It was filled with discrepancies. First the majority came back on the same day of XXXX XXXX XXXX as accurate when I didn't dispute with the CFPB until XXXX letting me know they didn't research them at all. 2nd there are accounts that show no status, but Experian said was verified which couldn't be true with no update from company. All these accounts they say are verified are FRAUD accounts. I would like to know who they talked to at each company to verify these accounts. I just want these fraudulent accounts removed. The counts in question are below. 


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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (FL)

ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX is reporting an account on mu consumer report with debt that is charged off since XXXX XXXX  XXXX i requested a copy of the 1099-c form that is required for a company to file for canceled debt to the IRS. A creditor must file a form 1099-c if ( 1 ) debt in the amount of {$600.00} or more is discharged ; ( 2 ) the creditor is an applicable entity ; ( 3 ) an identifiable event has occurred. the creditor must file the 1099-c the year following the Calander year when the qualifying year occurs. this form shows the amount of debt forgiven, and creditors must issue this form even if the debtor is not required to report the amount as income. attracted below is a copy of the response I've received from XXXX XXXX XXXX where they stated that their was no 1099-c form filed because i still owe a balance. according to the IRS every company that is reporting canceled debt over {$600.00} MUST FILE A 1099-C from. this company is in violation for reporting inaccurate information to my consumer report and is causing me extreme anxiety and is affecting my family and I. This company is not reporting correct information. i am in contact with a consumer lawyer and will seek litigation against this company as well as the consumer reporting agencies who are reporting this inaccurate information because they have also completed an improper investigation. I will be seeking {$1000.00} per violation. I have the right to a accurate credit report!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I filed a dispute on Experian to remove Tennessee XXXX XXXX off my credit report. This account is closed and paid off. The update that occurred afterwards is false. I have not made any recent payment to Tennessee XXXX XXXX. This update is fraudulent. My case was closed in XXXX when my son was adopted and the balance was forwarded to the county I reside in now. Also, the date of last payment is different on two different bureaus if you look at my report for Tennessee XXXX XXXX you will see someone put ND because there was no payment due, and all of a sudden I made a payment out of nowhere? That makes no sense.
Consumer complaint received 2023-07-01
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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions