davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-19
Product: Credit 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: Chime Financial Inc (FL)

My chime credit builder card was charged on XXXX and I didnt do it. I looked it up it was sent to California and I live in Florida. It only had my first name on the package. I tried to dispute it twice but they denied it twice saying I made the purchase. XXXX send me a email saying they were suspended the account due to unauthorized activity and I emailed that to chime and I was still denied. The date this happened was XX/XX/XXXX at XXXXXXXX XXXX  for the amount of XXXX. I never made a purchase on XXXX that big. I closed the card and refund to use chime because of this matter.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Axiom Acquisition Ventures, LLC (GA)

On XX/XX/, I was served court papers of a civil suit claim from AXION AQUISTITION VENTURES LLC to sue me for a debt of {$13000.00}. The debt was purchased from the original creditor XXXX XXXX XXXX XXXX. However, the debt was assigned to a Senior Loss Mitigation Analyst due to insolvency. Once documentation was provided of my Insolvency the ordinal creditor never denied or granted the hardship request. They stopped contact and written the debt off. This is the first instance or knowledge that the debt had been sold.
Consumer complaint received 2023-04-14
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. (CA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/2023, XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00}, XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-22
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have only applied for 2 loans in 2 years and there are several inquiries on my report that I did not do. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please verify or remove these fraudulent inquiries
Consumer complaint received 2023-06-22
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. (NV)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Experian. Despite my initial contact with Experian on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} does not match my recollection. Additionally, I would like to highlight that this account has a closed and charged-off status. I am planning to engage in a conversation with the creditor to clarify the reported data. In the meantime, I kindly request that you mark this account as disputed and remove the amount indicated in the " Past Due '' section. 
Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. I have no recollection of ever entering into a contract with XXXX XXXX XXXX XXXX XXXX, nor have I ever been contacted by them. Moreover, the reported balance of {$450.00} is higher than what I believe it to be. As a result, I am disputing this entire account and requesting verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$780.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX XXXX : {$22000.00} I assert that the account specified above was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX XXXX : {$12000.00} I confirm that the account mentioned above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account XXXX : XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : DEPT OF ED/XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} I confirm that the account indicated above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly.
Consumer complaint received 2024-01-02
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. (MO)

The following complaint CLEARLY SHOWS HOW EXPERIAN HAS COMPLETELY DESTROYED MY ACCOUNT AND CREDIT SCORE, EXPERIAN JUST SENT ME THE FOLLOWING NOTIFICATIONS SAYING I OPENED THESE DISPUTES IN XXXX OF THIS YEAR CLEARLY THEY ARE NEGLIGENT IN THE HANDLING OF MY INFORMATION AND CREDIT THESE ARE ALSO CLWAR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Citibank for the 3 rd time for no reason removed my credit limit from {$9000.00} to {$2100.00}. Just this last XXXX they fixed this problem and now XX/XX/XXXXXXXX XXXX XXXX Im having the same problem. I have never been late on any of my credit cards in my life. I have always maintained good credit. My mother just passed away XX/XX/XXXX th and Im trying to plan a funeral with credit I thought I had being ripped out from underneath me again for the 3 rd time. I have left phone calls and emails. I just wish someone would call me back and fix this again. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I'm sending this complaint first time against Experian Credit Bureau, since I came across by searching my credit report on the account that I never authorized and never received any goods or financial benefits. I have sent letter to dispute incorrect information on my report and Experian never responded to it. My letter was mailed more than 45 days ago via certified mail. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 

In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX, There is another account on my report XXXX  XXXX XXXX - I don't think so this is my account. Please verify. I WAS NEVER LATE ON MY PAYMENTS ON ANY ACCOUNTS, THIS ACCOUNT IS SHOWING INCORECCT INFORMATION. IT MUST BE VERIFIED AND INCORECCT INFORMATION MUST BE REMOVED. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (GA)

On XX/XX/XXXXXXXX  I sent a endorsed security and 1099A via USPS registered mail # XXXX to U.S. Bank Trust National Association and it was delivered by USPS on XX/XX/XXXX. I also spoke with XXXX XXXX the indenture trustee respective officer on XX/XX/XXXX that provided his email where I also sent copies. According to the most recent Security Agreemeet/XXXX  filings found on the Securities and Exchange Commission official website U.S. Bank Trust National Association is list as the Indenture Trustee for XXXX XXXX XXXX XXXX . I sent both the endorsed security and 1099A so my account can be correct to a {$0.00} balance. Also the transfer agent U.S. Bank Trust National Association received my certificate of indebtness/promissory note and securitied it. Once it was securitized the company was paid in full for the vehicle, while also receiving a cuisp number and trading the security. It is also the responsibility of the Trustee/Indenture Trustee to discharge this debt according to the banking act of 1933.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alpha Recovery Corp (NY)

The collection company place a collection on my credit file before sending me a ( 30 ) days Notice. I call them last month to removed the collection from all three credit bureaus and told them i moved to a new address so they can send me the 30 days notice to the new address, I just received the notice on the XX/XX/XXXX. I call them to send me a validation letter and sign contract between they and the original creditors as proof for them to collect the debt from me and they said they will not send me anything else and the collection is going to remain on my report and there is nothing I can do about it. I told them that the government said that all collection are on hold for the next 90 days because everyone is worry about their life right now and need time to pay off any debts.
Consumer complaint received 2018-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc. (NJ)

I hired a content provider order to proved the contents for my website XXXX, using paypal.com since paypal guarantees against fake providers and for products not as described, however this person was not who claimed to be, she turned out to be not qualified and not able to provide the documents as agreed. I contacted paypal in many occasions and they refused to base the facts eventhough i provide the detailed information and files to prove my case, its seems that they are interested on resolving it. I have called many times, filled disputes to only get denied for no reason what what so ever.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

On XX/XX/2023 Mohela representative changed my loan payment to {$50.00} a month Mohela still is charging me {$760.00} a month I called again on XX/XX/2023 since the XXXX bill has not been corrected The hold was about a hour. The representatives could and would not tell me why or when it would be corrected I asked for a supervisor and the representative put me back into the cue
Consumer complaint received 2024-03-14
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. (NJ)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give your credit reporting agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


The following information on my credit report needs to be removed : 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 

Please note that you have 15 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX  is trying to charge me to view my credit report and i am aware that that is illegal as well
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ARTICLE ACCEPTANCE COMPANY (CA)

This company is reporting inaccurate and incomplete data to the major credit bureaus for years XXXX thru XXXX reflecting the date of first delinquency. The account is reported as opened as of XX/XX/XXXX and is still reflecting on my credit profile past 7 years in violation of FCRA. 

The credit bureaus are in violation of the FCRA by reflecting inaccurate and/ or incomplete data on my credit profile.
Consumer complaint received 2024-03-14
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)

XXXX. XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX INQUIRIES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted Experian and XXXX and XXXX and asked for them to investigate and remove the inaccurate accounts from my consumer report that they are ILLEGALLY Reporting and I requested specifically the alleged original application bearing my WET SIGNATURE and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.