davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

CFPB, Experian is reporting an account incorrectly on my credit report and I am attaching a copy of the dispute form so that you can hand deliver it to them since none of them seem to get what I send or correct the items I dispute and their website never works either!! This account which was originally with XXXX XXXX XXXX XXXX and showing on my report as XXXX XXXX XXXX who must have bought them out, is INCORRECT!! They are showing me late during the recession of XXXX when I got laid off and was struggling for a few months on one loan, the one and only loan I have even been late on with them or anyone else, which they still forced me to pay interest only payments on monthly the entire time I was late plus late fees and then made me pay a large balloon payment at the end of the note, every month I paid {$180.00} during the entire time until I paid all off in full, but they are lying and reporting me as paying nothing every month for which I was late, this is defamation and breaking the FCRA!!! I want all documents on this loan forwarded to you and I both showing all payments, my banks has records of all of those payments that were made also, but it is XXXX XXXX XXXX XXXX XXXX XXXX Banks responsibility to PROVE all they are reporting is true and accurate!! 

The date of first delinquency on this account was also in XX/XX/XXXX and actually sooner in XXXX than that, they are just not showing those payments that far back on my report so they can continue to keep this negative information on my account, again more revenge, such hateful evil people. This account should have already been removed from my reports or at the very least be removed before XX/XX/XXXX, but they are not showing this on my reports!!! 

It is fraud to falsely report inaccurate information on my credit reports, not investigate or report it correctly and to leave it on my reports past the time the FCRA allows which is only 7 yrs past the original date of delinquency!!! REMOVE THIS ACCOUNT from all three of my credit reports and send me corrected copies of all three reports immediately or I will have my lawyer contact all to get it done!!! I am also filing a complaint with the IL Attorney Generals office about this.
Consumer complaint received 2020-11-14
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. (NC)

Ok so for the past year I have been working on my credit score. A week or two ago my score on equifax dropped 10 points because a loan was added to the report. Out of all the credit places equifax is the only one where my score is extremely low. I have 31 inquiries on my credit file on equifax. There is no way that all of those inquiries are less then 2 years old. Equifax gives you a hard time when trying to reach customer service. Every time you finally reach customer service they said that you didnt answer the security questions correctly and you can never get access to your equifax account online at all. The other reporting agencies I have no trouble at all. I would like for those inquiries to be looked at correctly and any that shouldnt be on there i would like for them to be took off. I feel like their ripping me off on my credit score as well. I am in the process of trying to buy a home and if anything hurts my situation it would be equifax.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

These past few months have been very difficult for everyone. Despite the fact that people are doing all they can to pay their monthly bills, credit card companies are taking advantage of the situation to add late fees where it should Be forbidden. 
I paid mine late, a few days late, but i paid! Therefore when i requested there should be helping people. When didnt want to remove my late fee even though I paid {$100.00} in interest! This is racket! 

Credit card companies should be barred from assessing late fees in these times!
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to 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 2023-02-13
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)

ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. EQUIFAX ALSO HAS A POLICE REPORT ON FILE PERTAINING TO THIS ITEM
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

on XX/XX/2020 I sent off three letters to the credit bureaus, one to XXXX, one to experian, and one to XXXX  by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by experian and XXXX, XXXX  received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OR)

I requested a copy of my personal information file from Lexis Nexis in early XX/XX/2020. I found numerous information entries for a person other than myself in the file. These entries included personal identification information, property ownership information, insurance policy information and insurance claim information. The other person 's information also included her social security number and drivers license number which are easily determined to be different from mine. Her social security number differs from mine by 1 digit. I have made four calls to Lexis Nexis between XXXX and XXXX pointing out the facts above and demanding that this other person 's information be deleted from my file. I must emphasize again that anyone with a brain could see that she and I are not the same person. During the last call about a month ago, I went through the file page by page, paragraph by paragraph with the representative to point out the erroneous information needing to be removed. After receiving correspondence today about the dispute I reviewed the file and find that the erroneous information has still not been removed. The response they keep sending is ludicrous. It says that the information I want removed is " accurate based on my dispute ''. I have no doubt the information is accurate ; but it does not belong in my file. There continues to be no explanation why the issue can not be resolved.
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

On XX/XX/XXXX, Credence Resource Manage showed up on my credit report. Once I looked at the company it showed a debt for XXXX XXXX that I had opened on XX/XX/2020. I have no knowledge of me opening any account especially if its cell phone or internet related since I already have those connected and I have never been late. On XX/XX/2020 I have disputed the false debt through the credit bureaus but it still shows on my account.
Consumer complaint received 2020-07-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (MA)

I contacted XXXX XXXX with home point financial literally almost 3 months ago. He assured me and my wife that this would close back in XXXX. So we would miss the XXXX payment but as usual with this company and this particular loan officer that didnt happen - my wife paid XX/XX/XXXX the total amount and all we get for excuses is that its in underwriting. This was supposed to be simple Refi no doc etc. I closed faster buying this house the first time. If they dont close by mid month I have an attorney ready to contact them be we have recorded voice mails and recordings from XXXX XXXX saying we would close in XXXX and miss XXXX payment which we didnt and Im Not playing the games. Hes a liar like the company.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (FL)

It was incredibly frustrating to discover unauthorized inquiries on my credit report this morning, especially when I have no idea why theyre there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I refreshed my browser multiple times, thinking it might be a temporary error, but nothing changed. Please check the documents Ive submitted thoroughly, as I need this resolved immediately so I can stop stressing over it.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-03-02
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. (TN)

I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. XXXX, Equifax, nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from Equifax. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

I opened an account with CashApp ( I don't recall the exact date of opening ). However, I have not used the account that - meaning, I have not logged into the account in almost a year. I knew I had money in the account which I received a payment on XX/XX/XXXX in the amount of {$300.00}. Now, In XXXX of XXXX I made an attempt to login to my account so that I could retrieve the funds in this account. However, the debit card that I have associated with this account expired on XX/XX/XXXX. Because the debit card expired on XX/XX/XXXX I am unable to access my account, as CashApp uses a security feature where you need to verify your identity by either receiving a 6 digit PIN to your email address on file or my entering your full debit card number including the expiration date. However, when entering my email address, I do not receive the system generated PIN - the email address that I am entering is the correct email address, as the screen shows you the partial email address and you have to enter the missing letters. I have explained to both In-App Support as well as via XXXX messenger that the confirmation email is not coming to my email address after checking my spam folder, etc, nothing is being sent. It is a business email address which I have double checked with my tech support, and we have no issues on my end. I have requested for someone to send me an email directly so we can determine where the issues are, as I am not receiving the automated emails. This request was denied. I ask to have their internal technical team look into why I am not receiving the automated emails and this request was also denied. I was told that since I am not able to verify my identity that I can not be helped. I can not verify my identity because one, I am not receiving the automated emails and two, the expiration date on my debit card is XX/XX/XXXX and their system does not allow for you to enter an expired expiration date. So as a result of not being able to enter the expiration date and not receiving the automated email I am told there is nothing that can be done so that I can get access to the funds on this account. The CashApp name associated with this is XXXX XXXX and the email address associated with this account is XXXX XXXX
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

On XX/XX/XXXX I called Conns Appliances Inc collections department to pay the balance that was owed and clear the debt owed to the collector. After speaking with one of the representatives and getting a manager involved, they decided that I could settle for less than the full amount so that I could fulfill my debt obligations. I asked what would be the amount that they agreed to settle on and both the manager and representative stated the amount would be {$890.00}. I agreed to pay that amount and required written documentation that after the payment was made, they would report to all 3 credit bureaus that my account was paid in full and that it would be deleted from my credit reports as well. 

The manager assured me that as soon as my payment is processed that I would receive an email notification and a letter in the mail that my obligations has been fulfilled and a request for deletion has been sent to the credit bureaus. I asked for at least an email prior to my payment so that I could feel confident in them fulfilling their obligations on their end. The representative stated that the email and letter to be mailed would only generate after my payment was made. They assured that they would request for the credit bureaus to update to show paid in full/settled for less than the full balance and to be deleted also. I gave in to their pressure and words affirming what they would do and I made the payment. I have attached my receipt of payment for review of fulfilling my obligations. 

As of today, they did not follow up on their end of the deal. I have yet to receive an email or a letter in the mail regarding my payment and the fulfillment of my obligations with taking care of my debt. My credit report not only shows that I am in charge off status, but they turned around and reported 51 collection months XXXX. Before I made a payment, my credit report only showed XX/XX/XXXX in collections and my account showed closed due to collections. My XXXX XXXX has even dropped over 50 points because they went back and added moths of negative reports in collections XXXX and are currently still reporting that I am in collection status. How is this possible when I made my payment on XX/XX/XXXX? The account status shows a {$0.00} balance and closed, but they are still reporting negatively and have me in charge off status. 

I have tried to contact Conns Appliances Inc several times to have this updated, but everyone has been extremely rude and states that there is no account on file for them to update as everything has been closed out. I would like my account to be deleted and updated with all 3 credit bureaus as this has been a horrible experience trying to pay the debt that I owed and have my credit reports reflect properly.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I used Discover Card to pay for my XXXX  XXXX  done at XXXX XXXX XXXX located in XXXX XXXX, Ca. I thought that this clinic was a legitimate XXXX XXXX, but as it turned out it was only a day spa illegally offering medical treatment such as XXXX, XXXX, XXXX, etc. to unsuspecting customers like me. So, I felt cheated and they deliberately lied to me. They put my health at great risk without any concern. The paper I signed, the treatment I received, the sales receipt were all part of illegal operation. Therefore, I asked for a full refund from Discover Card through charge back. Even though I informed them exactly what happened, they still took the merchant side ignoring the legitimacy of the entire transaction. I thought Discover did not do a thorough investigation. What Discover Card did was encourage businesses to conduct illegal transactions at the expense of innocent consumers.