davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On todays day of XX/XX/XXXX, at approximately XXXX CST XXXX a man named XXXX XXXX called my niece in Pennsylvania and advised her that he was calling about my XXXX XXXX XXXX and I had until noon EST today or I would have my rights forfeited. First of all, I have no idea how this man located any information about my family. He discussed my personal information with my niece under false pretenses. My car account is in good standing with my car loan company. The name of his company is XXXX, XXXX XXXX. The number he gave was XXXX Ext XXXX. I called him at approximately XXXX CST and he wanted my birthday and I refused. I told him he had no right to call my niece about my car. He said he was recording the phone call and I advised him that I was recording as well. He hung up on me. At approximately XXXX CST, I called back. He answered the call and I asked for a manager. He put XXXX XXXX on the phone. She repeatedly argued, lied and refused to give clear information about this supposedly payday loan in my name from Ace Cash Express. She said I could pay her company or it would stay on my credit report. I asked her what credit report and she couldnt say. We argued about calling my niece, violating my rights and for threatening unlawful actions. I told her to cease and desist immediately. She said I would have to write a letter. She also said that I would have to find out about this balance of {$1500.00} that I owe. I asked her how did she get my name, etc. and she said from a third party. I asked her if her company was a debt collection company and she said no. She said my employer was XXXX XXXX. Thats a lie. I havent worked from XXXX due to a XXXX. I asked her for the physical address of her company and she gave me an address in XXXX XXXX, FL. I told her that her company violated the Fair Debt Collection Practices Act and I was going to report them. I told her that I was recording the call. She hung up on me. Her company has violated my rights under the FDCPA and FCRA. I want them out of business for unlawful practices. They lie and harass the consumers. If there are any consequences for their actions, please pursue it to the fullest extent of the law.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Experian has been sending copies of my credit report to 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 They are doing so under the pretense that I requested them to do so and approved. Not only have I done neither but they have allowed no way for me to remove these subscriptions. They have continued to reprint my price and confidential information without my consent and have failed to fix and resolve the issue
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

For XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$9800.00}, I informed all 3 credit bureau and only Equifax complied. XXXX and XXXX and XXXX XXXX have not yet removed the information after several disputes and complaints. 
For XXXX  XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$4700.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX open XXXX XXXX XXXX with a balance of {$380.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$720.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX XX/XX/XXXX with a balance {$23000.00}, I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

I requested a payoff letter. The company I am going with sent the payment in XX/XX/XXXX. Shellpoint was having software issues and did not apply my payment. I contacted them many times to get it resolved and they charged me an extra 2 months of interest on a loan that they had the payoff amount for. I told them I need it backdated to when they received the money and to give me my XXXX I over paid. 
The eventually applied the credit after charging me two months of interest and still expect me to pay about another XXXX to close the account.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

After looking at my credit report I found several fraudulent accounts and error reporting information due to being a victim of identity theft, including inquiries, auto loans, credit card transactions, wrong address, incorrect balance owed, reporting dates not accurate, and personal loans Please reference Attached Documents with Identity Theft report with specific details.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-12
Product: Credit reporting 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 am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. This must be removed from my report since XXXX failed to follow the law per the FCRA. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt and in the same letter stated that you are not trying to collect on debt, when in fact you are. Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that XXXX has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore XXXX is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above.

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
TODAY IS XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from UNITED AUTO CREDIT CO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Experian open up my personal and reporting information to dark web, to a XXXX  without my knowledge and authorization. I contacted the Leasing Office they stated they did not authorize and then called XXXX XXXX XXXX and they said they did not authorize any services and experian has made it literally impossible to speak with a live support person to get clarity and protection after opening my info to the dark web MULTIPLE SOURCES... including the connections as mentioned here. Also experian dropped by score XXXX point when there was no support for it as my credit card is/ was at {$0.00} at the time, no new credit pulls soft or hard and no new credit added. My score should have gone up and not down. I tried to call for a supervisor to research all of this since it doesn't fall under any of their categories and consumer/ me gets stuck in recordings of loops when issue ( s ) doesnt fall under any categories. Violation of info, privacy, inaccurate updates, unauthorized marketing, unauthorized signings of things they have and opening up my info, safety etc to the dark web... please help. And maliciously destroying my credit score with no basis and no support and no updates to support. Experian incorrect t updates XX/XX/year>, Other issues arose XX/XX/year> to XX/XX/year>.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CRED Technologies dba cred.ai (NC)

Cred.ai is the company that oversees tis XXXX card which is billed a credit repair card. I had a fraudulent transaction, and they closed the card and took the XXXX and kept the money. They said they have to do an investigation that will last 45 days. Now normally most cards ( any that I have ) will take the fraudulent charge leave my money on the card while they do an investigation. But they took the {$39.00} and refuse to give it back while they do this 45 day investigation. I did my own investigation as I used to work in card services and the fraudulent charge was obviously a fake as the website is fake and they don't say what they do and they could not say what they offer in their business. It seems to be a secret. But at the same time, I feel the fraudulent company is connected to Cred.ai in some way. No company will keep your money for 45 days. An investigation usually over inside of a week and most companies finish in 3 days. Especially the fraudulent charge was so obviously fake. I am a XXXX XXXX and can not afford to GIVE OUT XXXX on a Fraudulent transaction that seems to involve not only the fraudelent company but the credit/debit card company also.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

This company has my funds locked due to a bug that hasn't been resolved for a week now. I've noticed that many users are being affected by this same problem. In the ticket, they only respond that they are solving it without giving any alternative for the withdrawal of the funds. Due to numerous problems reported by other users where the funds are stuck or frozen due to similar or identical problems, it leads me to believe that it could be a scam by this company, as it is blocking the funds without any withdrawal option, and this is illegal. Furthermore, a ticket was opened more than a week ago to report the problem, Ticket number : XXXX, and they are giving responses at lengthy intervals, apparently to buy time.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I am writing to dispute inaccurate information on my credit report. My student loans are incorrectly listed as delinquent or past due, even though they are currently in deferment and no payments are required during this time. 

Details of the student loans : Lender/Servicer Name : XXXX XXXX XXXX Account Number : XXXX XX Deferment Start Date : XX/XX/year> Deferment End Date : TBD I have enclosed the following documents to support my claim : -A letter from my student loan servicer confirming the deferment status -Other relevant documentation Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the incorrect information on my credit report. Please notify me in writing once this issue has been resolved. 
Thank you for your attention to this matter. Should you require any further information, please contact me at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting 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 have family member that look like me and they used my information before and i sued them i found active accounts on my report please remove them from my report its an Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : 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, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.