davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: LEXISNEXIS (MI)

On XX/XX/2022, I filed an Identity theft report against LEXISNEXIS for selling, furnishing and reporting information they have no consent or permission from me to furnish or have. It is my right to privacy to keep my non-public personal information private and hold any person liable for stealing my information, which LEXISNEXIS has done. On XX/XX/2022, I sent LEXISNEXIS an Affidavit of Truth for committing Identity theft. On XX/XX/2022, LexisNexis sent me a reinvestigation letter showing all deleted alleged personal information they had on file of me including a XXXX  XXXX XXXX. As of today, LexisNexis continues to furnish the XXXX  onto my credit report with XXXX, XXXX and XXXX. LexisNexis has no permissible purpose, nor do they have my consent to furnish any alleged information about me. I have never done business with LexisNexis and neither do I have a contract with this company that allows them to furnish information about me. They are in several violations of Federal Laws that prevents them from defaming my character, causing harm to me and preventing me from being able to obtain credit.
Consumer complaint received 2022-09-02
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)

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 2022-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (NJ)

I contacted current this summer to close my account and receive a refund. I was overcharged for fees and they continue to charge me fees. Also, they have not sent me a check for my money. I want my money back via a direct deposit to my bank or a check. I do not want gift cards. Please help me They owe me over {$500.00}
Consumer complaint received 2019-02-15
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. (CA)

Experian refuses to delete fraudulent activity on my credit report. I have reported to Experian 3 times, by telephone, regarding me being a victim of fraud and that the information on my credit report regarding XXXX XXXX XXXX is fraudulent. Experian also has XXXX XXXX XXXX listed twice on my credit report for the same account and amount, which is also incorrect and making the amount owed showing double the incorrect amount. I have explained to Experian 3 times that this account does not belong to me and that I have no knowledge of this account, that I have never had any dealings with this creditor, and that it is fraudulent. I have also requested to speak to an Experian supervisor on 2 different occasions, on XX/XX/XXXX and XX/XX/XXXX and was told both times that the supervisor was busy and that they would call me back. I still have not received a telephone call back. 
On XX/XX/XXXX, I spoke to a representative named XXXX and she stated that a supervisor would call me back and when I explained to her that this is my 2nd time calling and no supervisor attempted to call me back the first time I called. I also explained to XXXX, the representative at Experian, that I have an Identity Theft Report on file with the CFPB and she stated that I do not have an identity theft record on file with the CFPB ( I have attached my proof of identity theft report ). She also stated that Experian does not remove anything from credit reports without the creditor 's permission, and that there is nothing they can do. I explained to her that that's an unfair statement being that I have never had any activity relations with the creditor and that I do not know of the creditor, and that the account does not belong to me ; and that she was incorrect about me having an identity theft report with the CFPB. I explained to the representative at Experian that they did not provide me a fair investigation into my dispute and she stated that Experian does not investigate and that they only go by what the creditor tells them. Therefore, Experian has lied about their investigation into my previous disputes, as the representative stated that they do not investigate the disputes. Therefore, they have not thoroughly verified the information on my credit report, as they stated that they did. Also, this is the 2nd time that Experian has allowed this creditor, XXXX XXXX XXXX, to be placed on my credit report after proving to them that my identity was stolen. Experian did not do a proper investigation into my dispute and they have also admitted that. I would like for XXXX XXXX XXXX to be removed from my credit report.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Finance Holdings, LLC (NJ)

Hi, my name is XXXX XXXX and I'm having issues with a company named Service Finance. I continuously asked Service Finance to stop calling me, remove my number from their calling log and they continue to harass me with phone calls and letters that I keep returning. I get threats of them reporting incorrect information on my credit report. They asked me for my personal information each time they call and I get a lot of hang-up calls and late calls after XXXX from them. This has been going on for months, even after sending them my police report and my credit dispute letters, and I even sent in the Identity theft report and letters, along with the 605B and the complaint consumer letters. Service finance just chooses to keep disrespecting the law and my rights. Can you please assist me in making them respect and obey my rights? Their contact number is XXXX and the account number I'm being accused of is XXXX. Can you ask them for all proof of documentation that was used to open the account, that they are accusing me of? 

Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2022-01-22
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. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or XXXX.
Consumer complaint received 2022-02-15
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-22
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. (IL)

the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account numberXXXXAccount statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX
Consumer complaint received 2022-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Chrysalis Holdings LLC (TX)

I Applied with New Day USA home loan after they have been soliciting me for over a year with invites to apply for a VA Home Loan through their company. After Speaking with the representative of New Day USA home loans, I was told that the company have all types of programs that help XXXX veterans like myself get into a home any way that they can. As we were going through the questioning process, He asked about my spouse Social Security number and He assumed it was female. When I corrected him that my spouse was indeed a XXXX he let out a Loud Laugh while on the phone with me. He did not apologize and proceeded to ask me questions about my race, ethnicity and religion. After the questions he hung up and called me less than five minutes later Denying my application without an explanation. I feel as if he jumped to personal judgment based on me Being a XXXX XXXX XXXX and none of my accomplishments in my military career and within my life even mattered. He was Very enthusiastic at the beginning of the call until He learned I was a XXXX XXXX male.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER XXXX Balance {$1100.00}
Consumer complaint received 2022-01-22
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)

There is a derogatory medical collection that has been placed on my XXXX and Experian consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.
Consumer complaint received 2022-01-22
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. (PA)

I disputed with the credit reporting company. They did nothing to resolve the situation. They sent me the SAME information that I already saw on the report that I disputed. I waited for that??? 
Why should we bother with credit reporting agencies anymore? They encourage debt and when you have a dispute about incorrect information, THEY COULD CARE LESS. 

I'M DONE.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2021, I applied online for the XXXX credit card with Comenity Bank using my current address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. The application was under " submission. '' As my credit score was and is over XXXX, I immediately contacted Comenity regarding the my application. I was told that I had to wait until I received a decision in the mail. 

I later received a letter ( attached ) from Comenity dated XX/XX/2021 stating that I needed to call and confirm my address. I immediately called the number listed on the letter and confirmed my address of XXXX XXXX. Also, CLUE NUMBER 1 to Comenity in verifying the XXXX XXXX address, is the FACT that I received the letter at the XXXX XXXX address and called them. 

I later received a letter at the XXXX XXXX address ( attached ) dated XX/XX/2021 informing me that my application was denied since Comenity couldn't verify my address. I was instructed to call XXXX to resolve the issue and then I could reapply again. Again, I called Comenity after I received the first letter I called to verify the XXXX XXXX address. 

There is no conceivable basis as to why my application was denied. I understand security and the extra protection for consumers by verifying addresses, but this was not handled properly by Comenity as I verified my address.

I can only surmise that it is discrimination based on my age, among other things, or Comenity 's ineptitude in handling this matter, or both. 

I subsequently attempted to dispute the hard inquiry on my XXXX report, but Comenity confirmed the inquiry to XXXX. 

Now I'm left with a hard inquiry and a lower credit score on my XXXX credit report due to Comenity 's discriminatory practices/ineptness.
Consumer complaint received 2022-01-22
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-22
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: PENTAGON FEDERAL CREDIT UNION (GA)

In XX/XX/XXXX I contacted PenFed for a payment deferral because I needed relief due to ongoing XXXX  issues that exasperated ongoing XXXX  XXXX due to XXXX  XXXX XXXX. The representative told me to submit a request with documentation to confirm my medical issue, so I sent them the attached document acknowledging that I contracted XXXX in XX/XX/XXXX. After a couple of months, I called back and explained that I had not received any notification regarding my request for payment deferral on the loan and credit card. The representative checked the system and confirmed that my request for deferral was approved through XX/XX/XXXX for the credit card, and the loan deferral was also approved, but in the system, it wasn't clear to her for how long the loan deferral was extended. She assumed it was the same as the credit card deferral but would follow-up and confirm. She also acknowledged that no letter had been sent out. I asked if she could provide me a letter and she stated that she would check into it and forward the request. Now, PenFed has posted 2 late payments on my accounts and I'm unsure why.
Consumer complaint received 2022-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (OH)

Paragon Collection Agency from North Carolina reported me to experian without ever contacting me. 

XXXX said the date was XX/XX/2021 I received a text on my XXXX Credit Card site about this My credit rating went from XXXX to XXXX
Consumer complaint received 2022-01-22
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)

Equifax is reporting inaccurate information on my credit report. There are 2 collection accounts that have no names of creditors, nor do they have a name of the account that they are claiming that I owe. I sent letters XX/XX/2021 and have yet to hear anything back. It has been well over 30 days. Equifax is required to remove these inaccurate accounts immediately. I have no way of verifying any of these accounts without the name of a creditor and the name of an account. Equifax has lost all credibility by allowing unauthorized accounts to be reported. I am also seeking litigation. 
1. Amount : {$160.00} Account number : XXXX NO CREDITOR LISTED- REMOVE THIS ACCOUNT FROM REPORT 2. Amount : {$380.00} Account number : XXXX NO CREDITOR LISTED- REMOVE THIS ACCOUNT FROM REPORT
Consumer complaint received 2022-01-22
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. (IL)

I disputed with transunion last year for a account that was fraud and I also froze my account so that the fraud account could be removed, which the collection is now named XXXX XXXX and says that I owe {$1300.00} which I do not, I was only XXXX when this account was open and it keeps coming back which I dont need it to. I am now asking transunion and XXXX XXXX & XXXX to freeze my accounts
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello My name is XXXX XXXX, On XX/XX/XXXX and XXXX 7,000 dollars was stole from my North Carolina unemployment debit card. I filed compaint on the XXXX of XXXX. Today is XX/XX/XXXX and im still havent got my money back. I sent a copy of police report to Bank of America and copy of my I D. B O A refuses to do whats right and give me my money back. OH, This is the good part when I got a copy of my transactions 5,000 and 2,000 was a bank transfer but doesnt show where the money went. Ive called so many times I lost count and they give me the run around. NO compassion at all. This has been going on for 2 months. Thanks for your time. WATCH OUT FOR BOA. My email is XXXX. XXXX is my home phone #.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or XXXX.
Consumer complaint received 2022-01-22
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: TD BANK US HOLDING COMPANY (FL)

I want TD Auto Finance off my credit report all together. This is Unauthorized and unverifiable. According the FCRA this account is unauthorized and it must be removed asap or Im filing a law suit.