davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NY)

i MADE THREE ONTIME PAYMENTS OF {$1000.00} FOR A CREDIT CARD PROGRAM THROUGH SEEDFI. HOWEVER, I SUSPECT THAT SOMEONE IS USING THE FUNDS INSTEAD OF MY PERSON. i HAVE BEEN UNABLE TO WITHDRAW ANY FUNDS FROM MY CREDIT CARD ACCOUNT OR MAKE ANY PURCHASES WITH MY CREDIT CARD ACCOUNT.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (FL)

I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.
Consumer complaint received 2022-08-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX, have 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 an account without my written instructions.
Consumer complaint received 2022-08-24
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)

FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX  XXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other ( 1 ) XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX  XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this
Consumer complaint received 2022-08-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

In XXXX I starting going to school at XXXX XXXX. I graduated in XXXX. They took out XXXX in private student loans. I didnt realise at the time that they were extreamly high interest. Today I know owe XXXX. 

I have only paid XXXX in principle and XXXX in interest. I have paid XXXX over the origional loans in just interest. I have had these loans for 17 years and owe double the origional loans. 

I have seen multiple lawsuits against ITT tech and others have had their private loans canceled. I have spoken with Navient countless times and their only options are do an interest only payment to get it to a payment I can afford. Thats just adding to the issue. 

Please help get these loans canceled.
Consumer complaint received 2022-08-24
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: CCS Financial Services, Inc. (TX)

In Accordance with the fair credit reporting act XXXX account number 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.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MA)

In early XXXX my card would not work twice. I contacted the discover credit card company who informed me that three statements and two letters had been returned to them marked by the United States post office as undeliverable. When I heard that my card had been shut off and that my payments were overdue on that phone call with discover I electronically transferred the entire funds to cover the balance of the account immediately from my checking account. In XXXX I received a call from my insurance agent who told me that my homeowners bill was returned as undeliverable by the post office, after receiving one letter returned... they called me immediately... discover never contacted me. Over a year and a half ago I changed from a post office box to a street address using a address forwarding card with the post office. I thought I was receiving all my mail but evidently only half of it I filed a complaint with the United States XXXX XXXX online in 15 minutes I had a call from the XXXX supervisor I was put on hold and the supervisor returned telling me that my street address was not in the system and that the route driver who was out had not updated his route in a year and a half. I called back to the Discover Card Company and explained what the supervisor told me from the United States XXXX XXXX, Discover waved the late fees but reported me as being delinquent anyway. I asked discover account manager if they would remove the bad marks on my credit my credit... .it had dropped from XXXX to XXXX the account manager said they would not. I asked the postal supervisor if they would contact the credit card company or the credit bureau and explain what happened ... .her reply was we don't do that.
Consumer complaint received 2022-08-24
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. (NC)

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 EQUIFAX and XXXX is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

EQUIFAX and XXXX XXXX has erroneously since 2019 reported negative and false information to my credit report. 

These entities are reporting a charge-off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give XXXX nor EQUIFAX written permission to furnish this account. 

Account Number # XXXX
Consumer complaint received 2022-08-24
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery violated federal consumer protection laws meant to protect me in two ways : First, by demanding payment of a debt via credit reporting that Portfolio Recovery couldnt prove was valid ; and by failing to verify the accuracy of the information they reported to credit reporting agencies. I have never owed a debt to the company they are alleging ; moreover, by inserting a collection item on my credit report, they are attempting to collect a debt - a debt that they have not sent a dunning letter for. The Massachusetts AG, along with countless law firms, have brought successful legal actions against Portfolio Recovery for attempting to collect debts not owed and various misrepresentations, which is what is happening to me. I have already filed a complaint with the Indiana AG and am researching legal remedies for Portfolio Recovery 's unwarranted attack on my credit, my character and for violations of FDCPA and FCRA.
Consumer complaint received 2022-08-24
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. (PA)

I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original Contract or delete. 

XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXXXXXX Cancel contact. Please provide the original contract or delete. 

XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kingston Data & Credit International Inc. (NC)

The company never contacted me about Debt Collection and reported to the credit bureau that it was in collections. The original creditor is XXXX XXXX informed me and my fiance that there was no debt when we cancelled the contract, a contract that we entered into because we were promised things by the manager at the time which was rescinded a week later by the new manager. The original company that was hired to collect the debt said they closed their files on the case as there was no debt. See attached file. 

Never once did XXXX reach out to me to discuss this, which is why I am filing this complaint.
Consumer complaint received 2022-08-24
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. (IN)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-08-24
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)

Company is breaking federal law 15Usc1681e ( b ) assured that I'm due and promised an accurate credit report. They are reporting inaccurate, fraudulent information and intentionally being negligent in the remedy of my affairs. I have sent in all required documents requested by the company on XX/XX/2022 and they have failed to respond to my correspondence within the 30 day timeframe.
Consumer complaint received 2022-08-24
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. (MS)

I fell behind on payments for my XXXX XXXX credit card. Once I had the money to pay, I sent a payment in full for the credit card. The check was returned with the letter attached. It is still being reported on my credit report as delinquent.
Consumer complaint received 2022-08-24
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. (TX)

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I had a XXXX  card which was scammed and investigated by the First National Bank fraud department. I received a letter dated XX/XX/XXXX as a notice of final resolution my claim was CLOSED. The ordeal had gone on for several months. They sent me an UNSOLICITED replacement card ( ending in XXXX ) which I NEVER used. The Fraud department called me for several months wanting me to pay for charges on the replacement card. I was finally able to get a man who told me ( 'the claim is closed ' ). The Fraud Department calls ceased. I then started receiving phone calls and threating letters to pay the charges on the replacement card. I wrote a letter on XX/XX/XXXX to First National Bank requesting the letters and phone calls be stopped. My wife and I are both XXXX XXXX XXXX, and she has three chronic health problems. The phone calls and letters are VERY UPSETTING for my wife. The phone calls stopped as a result of my letter. However, the letters are continuing. Stopping the letters is the final step in putting an END to this ordeal which started in the XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX  2. XXXXXXXX XXXX XXXX 3 XXXX Bank 4.XXXX XXXX 5.XXXX XXXX Bank 6XXXX 7XXXX XXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.
Consumer complaint received 2022-08-24
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. (PA)

I am disputing the inaccuracy that is reporting to your Credit Agency.

According to U.S.C 1602 ( i ) I gave XXXX XXXX XXXX my credit card to obtain money on credit, which is defined under 1602 ( f ) under a open end credit plan. You not only are reporting negative information without my consent, you are reporting late payments. I am aware that you are a creditor and that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, unless you have ensured that a periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to 1666 d Treatment of credit balances, I need for you to credit the amount of credit balance to my account, and refund any part of the amount of the remaining credit balance by check to the address listed on file with this complaint. Also Update the account beginning with XXXX to paid as agreed immediately. Please be aware that as a consumer I have rights and will exercise any and all remedies available to me.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MS)

I fell behind on payments for my Home Depot credit card. Once I had the money to pay, I sent a payment in full for the credit card. The check was returned with the letter attached. It is still being reported on my credit report as delinquent.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original XXXX or delete. 

XXXX  XXXX Cancel contract. Please provide the original contract or delete. 

XXXX  XXXX Cancel contact. Please provide the original contract or delete. 

XXXX XXXX XXXX. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-24
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: World Omni Financial Corp. (FL)

Southeast Toyota finance has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX  and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion
Consumer complaint received 2022-08-24
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. (VA)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.