davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (TX)

I went into regions bank in XXXX Texas to open a new account and was denied based off of a system called Early warning system that gave me no reason. I called them and they are not telling me any information as to how they recieved my private source data without my consent and why are they giving out my private source date without authorization. I have never did any business with this third party and for them to be able to deny a consumer account based off of information that they wont even reveal to me
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (GA)

XXXX XXXX XXXX XXXX is currently reporting this collection as open and still attempting to collect on this debt after written verification was sent via email. XXXX XXXX was the customer service representative who informed me that I they do no provide documentation to verify a debt and that it can only be by payment only. I contacted XXXX XXXX on XX/XX/23 and have the email conversation still on file. Spoke with several representatives over the past week and when I ask for verification to be sent they either hang up the phone, transfer the call to a long cue hold or act like they cant hear what i am requesting and disconnect the call. The email sent to XXXX XXXX demanded all communication to cease but they still continue to contact me and deny they can not provide me with documentation.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Also my sign financial responsibility form for the medical practice? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-04-24
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: Resurgent Capital Services L.P. (KY)

LVNV FUNDING C/O RESURGENT CAPITAL, " collection '' agency is reporting an alleged debt on my credit report without my knowledge ( previously ) nor my consent. I have repeatedly demanded validation, disputed, and reported the accounts as Identity Theft to the company and have never received a reply, only continued regular negative reporting. As a result My credit Report is bad because of this one alleged account.
Consumer complaint received 2023-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (ID)

Wells Fargo made false promises that if I submitted paperwork for a loan modification It would save my home from being foreclosed on they waited tell the time was up to tell me they would not approve a modification and then forecloses on my home given me no time to seek help from no other means
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
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 XXXX
Consumer complaint received 2023-02-20
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: Upgrade, Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (TX)

I have requested that Equifax fix the errors on my report or delete the inaccuracies several times this year. Each time yielding the same result : inaccuracies remain and continuously reflected in my credit reports affecting my scores and my ability to have fair and correct information reported about me to employers and financial institutions. 

15 U.S. Code 1681 ( a ) 1 Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX has been reported on my Equifax credit report twice since the first time it was disputed in XXXX of XXXX  and has remained on my report since. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I do not have 2 accounts with XXXX XXXX and should not be admonished and presented unfairly on my Equifax report because of it. This is a complete injustice and should be corrected immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-27
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-22
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. (IL)

Experian closed CFPB complaint number XXXX without providing documentation of verification of inaccuracies. The creditor also, allowed the company an access of 30 to respond to complaint.
Consumer complaint received 2024-03-22
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. (IN)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-03-22
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. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (CA)

I have been paying this loan since XXXX, it was for {$10000.00} to pay for a used XXXX XXXX XXXX worth {$5000.00}. Ive had to get extensions on it, especially during the pandemic closures- during which I was charged obscene amounts of interest. Ive had it repossessed once as well. Ive paid {$11000.00} on this load and still have to pay {$9000.00} to settle it for a car thats now worth about {$2000.00} ( I cant afford to make repairs ). This loans feels like it will never end. I am always late because they wont negotiate the rate, they only offer extensions and they dont tell you what they charge will be until later. Their site is also setup so that you dont see how your payments are calculated towards your loan, you only see the transaction history and the pay off/principal balance- which is only like {$100.00} less than my original loan from two years ago, {$11000.00} later.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

After issuing a subpoena to XXXX for records relating to communications between LexisNexis and XXXX regarding the public records item US BKPT CT IL XXXX XXXX as held by LexisNexis, I received a document that proved, ( contrary to LexisNexis explicit communications to me, no less than four times. ) LexisNexis has continued to report this item willfully, again, after clearly communicating with me that LexisNexis was no longer reporting this item. PLEASE REVIEW ENCLOSURES Additionally, notice the inequitable response to me, XXXX XXXX as opposed my wife, XXXX XXXX. The case number is the same. I would love to know the why? behind this. 

On XX/XX/XXXX, I will file a lawsuit against LexisNexis for every month since XX/XX/XXXX they willfully reported this public record to XXXX after claiming to remove it from my record. LexisNexis has included in the enclosures, deceptive statements, that if they in fact practice, are in direct violation of FCRA regulations. 

As FCRA regulations make clear, XXXX can only get this information from a public records vendor. LexisNexis is the vendor of record for XXXX. LexisNexis has the duty to expedite ( 4 days per FCRA ) removal of this record factually from XXXX. 

In the interest of not wasting court time, LexisNexis may contact me by phone with a settlement offer plus court cost.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Self Financial Inc. (KY)

Back in XXXX  I believe, I had opened an savings account with SELF credit. Where I had to make monthly payments to self and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was telling/ describing to me. They then told me it was a self visa credit card and I told them I had a self saving account but no card. Was denied the home loan. I then reached to self and the number that was connected to the account on my credit report was connected to a prior employee at self that hasnt worked there in 9 years I called the number and he was telling me that. I then XXXX  selfs phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX  phone number for this business. Ive let self know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a self card. I recently just received a XXXX $ Check from self and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Hello, my name is XXXX XXXX. 

I making a consumer report over charges from the city bank. 
on XXXX XX/XX/2022, I purchase a tablet on Sear on line for {$200.00} I call Sear to returne the Item On XX/XX/2022. 
The bank knew that I was in the procces return transaction They did'not consider it.

but the point of all this, is the are charging my card and my bank account twice the same amount of {$200.00} I talk to the Costumer Service Credit, sear XXXX about it and he said the is a printing mistake I send you. a copy that I took from my online account.
Consumer complaint received 2023-04-19
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NA ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TN)

ON XX/XX/18 I CALLED DISCOVER, BECAUSE I SAW THAT THERE WAS A CHARGE ON MY CARD MADE BY A XXXX XXXX MADE ON XX/XX/18 FOR {$5500.00}, I LET THEM KNOW I DID NOT MAKE THIS CHARGE! NOT ONLY WAS I ON HOLD FOR A LONG TIME BUT WHEN THEY THOUGHT I COULD NOT HEAR THEM THEY MADE SOME COMMENTS ABOUT HOW I WOULDNT REMEBER THIS ANYWAY, BUT THEY TOOK MY COMPLAINT, AND CREDITED IT BACK TO ME, BUT THEN AFTER SOME TIME I GOT A LETTER CLAIMING THAT THEY WERE PUTTING IT BACK ON AND THAT NO FRAUD OCCURED. I AM VERY UNHAPPY NOT ONLY WITH HOW RUDE THEY WERE BUT THAT THEY THEN DID THIS TO ME.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (PA)

Dear Consumer Financial Protection Bureau, I am writing to report a potential issue with Carmax Auto Finance and their failure to provide notice of any claims that they may have against me for causing injury, casualty, deficit or debt. As we approach the end of the fiscal year, I want to ensure that I am aware of any claims that may exist before closing out my accounts.

I have contacted Carmax to request that they provide me with notice of any claims that they may have against me, but have not received a response. I have requested that if they have any evidence that I have caused injury, casualty, deficit or debt, they provide me with a detailed explanation and documentation of such claims. However, if they are unable to find any evidence of such claims, I have requested that they zero out all accounting and provide me with notice of how they would like me to report our services together. I am willing to report my payments to them on either an A1099NEC or 1099 miscellaneous form, whichever they prefer. 
I believe that Carmax 's failure to respond to my request for notice of any claims may be a violation of consumer protection laws. I would like to request that you investigate this matter and take any necessary actions to ensure that Carmax is following all applicable laws and regulations. 
Thank you for your attention to this matter.