davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I received a response to previous disputes XX/XX/XXXX # XXXX dated XX/XX/XXXX. Under the FCRA this response is over 30 days and untimely. LexisNexis responded to this complaint timely but not respond to my initial dispute letter sent to them XX/XX/XXXX. Also in the attached letter they stated they verified a bankruptcy through PACER  which is a public record with public access. This information was not received from the furnisher which is the Pennsylvania Federal Bankruptcy Court-XXXX. Bankruptcy Court sent me a letter stating they do not give out personal information. Under the FCRA Section 623 ( a ) ( 1 ) ( A any information reported must come from the furnisher and must be complete, accurate information. LexisNexis has stated that the public record from Pacer matches my name and address and social security number. Then Lexis Nexis goes on to say the last 4 digits of my social security. The last 4 digits is not the same as my full social security number. How can you identify me from the last 4 digits of social security number and there are millions of people in the world with the same last 4 digits? This is not complete information. Provide my full social security number, my full name and address from the furnisher of this information which is Bankruptcy Court. Public records/Pacer is not an accurate source of information it's public record and has many errors.
Consumer complaint received 2022-10-04
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. (DC)

Experian and XXXX REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXXXXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH XXXX AND EXPERIAN AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! XXXX AND EXPERIAN ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! XXXX AND EXPERIAN WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. EXPERIAN REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX  AND THE DC ATTORNEY XXXX XXXX! REMOVE XXXX XXXX, A XXXX $ BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX VERTAN AND FOLLOW THE LAW!!
Consumer complaint received 2022-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX with XXXX XXXX XXXX 
my XXXX  is presently XXXX XXXX XXXX. at the branch on XXXX XXXX in XXXX tennessee. i work XXXX days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my XXXX by a gentleman serving me a summons. 
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. 

details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} ATTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX it is for an account with XXXX acct was charged off on XXXX XX/XX/XXXX. 
i am unfamiliar with said acct. 

after work, i went home to research my credit reports to look for this debt. 
after thorough searching i found the following results... 
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (MS)

acct number XXXX i dont live in XXXX XXXX  TGHE ADDRESS FOR THIS DEBT IS XXXX XXXX XXXXXXXX XXXX I NEVER LIVE HERE AT ALL I HAVE BEEN IN XXXX  FOR OVER 10 PLUS YEARS SOMEONE HAS USE MY SSN
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CT)

I am concerned about a potential security breach at Key Bank or XXXX. My debit card, issued by Key Bank in partnership with XXXX, has been digitally stolen three times in the past six months. Each time this occurs, the events are always the same ; the card is charged for a transaction on XXXX XXXX in California. The physical debit card always remains in my possession. I have never had a XXXX XXXX account. 
The first occurrence was on XX/XX/2022, wherein my card was charged by XXXX XXXX via XXXX XXXX for a total of {$51.00}. I called Key Bank and was issued a new card as well as provisional credit while the dispute was investigated. 
On XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction in the amount of {$69.00}. I called Key Bank- this time they " hard closed '' the card and instructed me to delete the card number from any e-commerce websites where it may have been saved, which I did. Key Bank again extended provisional credit for the disputed transaction. 
Less than a month later, on XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction, this time for {$45.00}. I called Key Bank I was quickly transferred to a different department - the woman I spoke to this time seemed slightly more abreast of the situation and implied that this was a problem of which Key Bank was aware, and that Key Bank 's investigative departments were working to find the root of the breach. I asked how someone could possibly have access to my new card so soon after it had been issued ; the Key Bank representative suggested there may be a breach with XXXX or XXXX XXXX ( again, I have never had a XXXX XXXX account. ) The Key Bank representative again " hard closed '' my card and issued provisional credit in the disputed amount. 
I have just received my new debit card and I am very concerned that this will occur again. This is my only card.
Consumer complaint received 2022-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

My name is XXXX XXXX and I have new and updated information regarding Capital One failure to comply with the FCRA. 

XX/XX/2021 I filed a cfpb complaint against Capital One as they alleged an inquiry appearing on my credit file came from myself the consumer. Ive explained it was not me and Capital one confirmed as well as stated they would have it removed over a year ago. This inquiry has still been reporting since then.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P. (OH)

This debt is now being pursued by a law firm and they have filed a case against me in court. They refuse to settle for less than the exorbitant amount owed due to the 275.99 % interest rate charged. 

I had made several attempts to settle this debt, but did not understand I had to reply to the lawsuit to the court. I am concerned they will garnish my wages, and I refuse to pay {$7500.00} is finance fees for a {$2500.00} loan.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OR)

The original servicing lender was great, we made all of our payments with no issues or problems at all, so when my servicing lender switched in XX/XX/2022 without my knowledge & I did not receive any letters until after the switch. My daughter got XXXX  a few months prior so we were a paycheck behind on our funds, since I work in a XXXX XXXX, I was automatically quarantined for 14 days without pay when my daughter tested positive for XXXX. So when the XXXX payment with the New servicing lender was due, I called them to let them know my situation. They said we could due a COVID Forbearance, and push that payment to the back of the loan. I did everything they asked me to due during this process. I was told to call them back the following month so they could remove the forbearance and I could make the XXXX payment. I was told by whomever was helping me from the company that I had done everything I was required to do, and now I could continue to make my payments from here on out. So I continued to do so. But now from that time till now, I continue to receive call from them saying that I am a month behind in payments. They are charging me late fees. Then I will talk to another person from there company and they say " oh lets get this fixed '' they tell me whomever helped me in the 1st place didn't complete the Covid forbearance process and that is why I'm receiving the calls. They tell me everything is fixed now and I can continue my payments. Then a few days later they call me to tell me that I am a month behind on my payment and late fees will be added. You can look at my payment record and clearly see I have made every single payment, Except for the XXXX payment which was supposed to be put on the Covid Forbearance and places to the back of the loan. This is my 1st home purchase ever, and Round Point Mortgage that I was switched to without any knowledge, letter in the mail, or phone call, is making me sick. I'm constantly worried I'm going to have my home for closed on all because whomever I spoke place in the 1st place did not do there job to comete the forbearance process. I am sick of dealing with them. I have made every single mortgage payment, with the company before ( XXXX XXXX XXXX ), as well as with the current lender ( Round Point Mortgage ). I refuse to pay late fees or an extra mortgage payment because they did not due there job correctly. I want to get a new mortgage lender but do not know how to do so, since my original lender switched to the current lender without my knowledge or permission. PLEASE HELP ME. 
Thank you for your time. 
XXXX XXXX.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

Contacted Nelnet on XX/XX/2022 to get a refund on student loans. Was transferred between departments and was not able to get a refund. XX/XX/2022 contacted again to get refund and loans reinstated and was told I would get confirmation via email or call in approximately 5 business days. Today XX/XX/2022 I have not heard of a response from Nelnet about my refund being accepted or denied. I was told it would take 4-6 weeks from when the refund would be approved to get my refund check as well. It is now 4 weeks and have not heard back of the initial pending refund.
Consumer complaint received 2022-10-04
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-04
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)

Hello. My name is XXXX XXXX, I have reached out to Experian and XXXX regarding the improper/incorrect/false/illegal reporting to my personal credit report from a creditor by the name of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have also tried resolving the issue with the creditor directly. I have had several frustrating interactions with all 3 companies for years now as the issue has yet to be resolved. The company [ XXXX XXXX XXXX, XXXX ] is reporting a closed account to Experian but is reporting the same account as open, negative and with an incorrect balance to XXXX. I am trying to resolve the matter with the creditor as it is negatively hurting my personal credit causing greater issues in my personal life. I am unable to resolve said debt with illegal and false information being reported and the reporting bureaus accepting this illegal and false information and reporting it.
Consumer complaint received 2022-10-02
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: AMERICAN HONDA FINANCE CORP (PA)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

As of XX/XX/2022 I reached out to all three credit bureaus, XXXX, XXXX, and Equifax to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX XXXX, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a XXXX XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2024-01-30
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lockhart, Morris & Montgomery Inc. (GA)

I sent in letters asking for these accounts to be removed completely from my credit report. I do not consent to my name and likeness to be used in a negative way especially in error. 
Again I demand to have all accounts that are reported as charged off to be REMOVED COMPLETELY from my credit report.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT WORLD SERVICES, INC. (CA)

I have a debt on my credit report from a company named XXXX XXXX XXXX for {$850.00}. I called XXXX XXXX whom are representing this company, spoke to a gentleman at CREDIT WORLD stated this is a Kansas account opened on XX/XX/XXXX. I was asked if I have purchased any properties in XXXX, I said no. I reside in California and do not have anything to do with XXXX. I am a victim of Identity theft. Credit world has all my personal information, they told me I need to prove this was not me and prove where I live. I have not opened any accounts in Kansas at all. How can I prove this was not me? Also, ever since the pandemic in XXXX, my XXXX debit card number was compromised and someone was using it and purchasing so many things under my name and debit card. I had to submit a claim to Bank XXXX XXXX in XXXX. It was investigated and the funds were returned to me. 

Also, now I see another debt on my credit report. it is from XXXX XXXX XXXX, XXXX XXXX XXXX creator. I have no idea who this is and what it is for. Someone is usinf my personal information to open accounts and now it is impacting me. How can I prove I have not opened these accounts? Please assist me. They have all my information which the debt collectors have. 
Again, I am a victim of identity theft which stems from XXXX, the XXXX Dept provided personal information to the theives who continue to use my information to open accounts. This is not right. 

Please assist, let me what I can do.