davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MD)

On XX/XX/XXXX I paid this debt in the amount of {$33.00} but on my credit report it was reported that I owed {$170.00}. When I contacted the company in XX/XX/XXXX they told me that I only owed {$33.00} but before XX/XX/XXXX -XX/XX/XXXX it was reported to XXXX  that the amount owed was {$170.00}. 

I recently sent XXXX, after trying to dispute this several other times that this isn't my bill because per the company there was never an amount of {$170.00} that should have been reported. 

Now it is listed as a " CHARGEOFF '' but it was never my bill and it was paid in full-never charged off.
Consumer complaint received 2023-10-15
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: EQUIFAX, INC. (NY)

***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid off my car in XX/XX/XXXX. XXXX chg my payment history 8 months later in XX/XX/XXXX. I dont show I was delinquent on any of my credit reports or documents. Why report on my loan for payments 3 years ago, 8 months after payoff. I need it corrected
Consumer complaint received 2023-10-13
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. (CA)

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$800.00}
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Payments for student loans begin this month, and we were told that 21 days before payments, we would be given a payment date and amount from our servicer. 

However, this is XX/XX/XXXX and I still haven't received any of this information. On my account right now, the payment date is blank and the payment amount is still {$0.00}, despite the account accruing {$1100.00} worth of interest already. 

I contacted the servicer on XX/XX/23 and they said they would respond in 3 days and they still haven't gotten back to me. I've called them multiple times, however their lines are so busy that I've been on hold for over an hour, gotten disconnected, and thus haven't spoken to anyone. 

I would just like a payment date and amount, please. If not please transfer me to another government provider who can handle this.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent in a copy of my driver 's license & social security card to verify my name and social security number, I asked them to update my profile to reflect my true full name suffix included because they have been mixing my files with other family members who share similar names with mine, I also asked them to remove addresses where I never resided. They updated my profile to show my true birth name as also known as.
Consumer complaint received 2022-11-08
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. (MD)

======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I received a letter from XXXX stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with TransUnion. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or XXXX account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from XXXX each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted XXXX by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Consumer complaint received 2020-04-08
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: ALLY FINANCIAL INC. (NJ)

Ally Financial bank finish with their investigation and send me an attachted document. HOW EVER, Ally Financial bank once again fail to provide me THE SIGNED CONTRACT DOCUMENT BETWEEN MY PERSON AND ALLY FINANCIAL, WHERE IS THE CONTRACT WITH MY SIGNATURE AND AN ALLY FINANCIAL REPRESENTATIVE SIGNATURE??? ALSO FAIL TO SEND ME THE SIGNED CONTRACT BETWEEN ALLY FINANCIAL AND XXXX XXXX XXXX.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (OK)

This compnay calls me numerous times a day. From several different numbers, i have asked them to stop calling me and take me off their list but they havent. They call so much that I am considering changing my number that I have had for the last 5 years and I shouldn't have to change my number. Also this so called debt they are contacting me reagrding has not been provided to me in writing to even validate this belongs to me or I owe them. They call me multiple times a day at this point it is harrasment.
Consumer complaint received 2023-04-20
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. (MI)

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 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 2023-04-19
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: EQUIFAX, INC. (LA)

I reached out to equifax credit reporting agency about an unknown account ( XXXX credit ) that I noticed from XX/XX/XXXX I then filed complaint with confirmation number XXXX on XX/XX/XXXX after I reached out to the original creditor and asking to provide me with any proof or origin of this account they failed to produce any application or contract with my name or my signature. In my complaint with equifax I asked if they could also provide me with any original application or contract with my signature verifying the debt and that if they couldnt I demanded the account be deleted due to inaccuracies they then responded with a document of account history in which the document doesnt have my name and/or signature and it is not an original document its a document generated on a computer. I then filed another complaint with equifax with confirmation number XXXX again requesting the same in formation and that they were in violation of the law and violating my consumer rights which they responded with the same document
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.
Consumer complaint received 2023-10-15
Product: Credit reporting 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 account number XXXX XXXXXXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-09-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

The Kohls Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX opened account back in XXXX of XXXX Was in good standing in XXXX when married and name change to XXXX XXXX encouraged to go paperless Account in good standing until XXXX. 
A {$52.00} charge was made in XXXX of XXXX No notice of statement received in email in XXXX or XXXX. 
XXXX email notice came in with late and interest charges {$52.00} charge was paid that same day. 
Due to XXXX difficulty with age and no on-line chat available, sent letter challenging and declining to pay the bogus late and interest charges. 
Kohls reply letter stated the late charge was removed. Problem is they did not remove the 2nd late charge nor interest Follow-up letter sent outlining the problem and needed solution. No response received. 
Have disputed reports of delinquent account at the credit reporting services. 
Kohls continues to all late and interest charges to the account every month and continues to damage the credit rating every month. 
NONTHING is owed other than the bogus charges added by their computer each month, which will NEVER be paid as they are not recognized as valid debt.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dave Operating, LLC (MS)

There is some sort of DaveXXXX account showing on my credit. I do not know what this is. Further more I did not authorize Dave to place anything on my credit profile. I do have there app but I have never been informed that this company reports to the credit companies.
Consumer complaint received 2023-06-16
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. (NC)

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 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 2023-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union (OH)

I'm not liable for the debt with XXXX XXXX XXXX  I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, first tech Federal credit Union also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Consumer complaint received 2023-10-15
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. (CA)

I am writing to officially report multiple unauthorized credit inquiries that appear on my credit report from the credit reporting agencies Experian and XXXX. I did not authorize any of these inquiries, and I believe that they might have been conducted without my consent or knowledge. 

The unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 from Experian To reiterate, none of these inquiries were authorized by me, and I never submitted any application or request that would have warranted these hard pulls on my credit report. Such inquiries not only impact my credit score but also make me concerned about the potential misuse of my personal information or identity theft. 

I have taken the proactive step of reaching out to each of the above-listed companies and institutions to clarify the situation and understand the basis of these unauthorized inquiries. However, as I await their respective responses, I believe it's imperative to notify the Consumer Financial Protection Bureau ( CFPB ) to ensure the integrity of my credit report and to prevent potential fraudulent activities in the future. 

Given the above, I respectfully request the CFPB to undertake the following actions : XXXX. **Investigation : ** Please conduct a thorough investigation into the unauthorized inquiries listed above. I am keen to understand how and why these inquiries were made without my explicit consent. 

XXXX. **Removal of Inquiries : ** Once the investigation confirms that these inquiries were unauthorized, I urge the CFPB to facilitate their removal from my credit report promptly. Such unauthorized inquiries can adversely affect my credit score, which can have broader ramifications for my financial well-being.

3. **Identity Theft Safeguards : ** I would appreciate guidance from the CFPB regarding additional steps I can take to protect myself from potential identity theft or any other fraudulent activities that may arise from this situation. 

XXXX. **Notification to Credit Reporting Agencies : ** I kindly request the CFPB to notify the relevant credit reporting agencies ( Experian and XXXX XXXX about this matter, urging them to rectify any inaccuracies resulting from these unauthorized inquiries. 

In conclusion, while I understand that credit inquiries are a standard part of financial processes, it is deeply unsettling to find unauthorized ones on my credit report. I trust the CFPB 's commitment to safeguarding consumers ' rights and ensuring the accuracy and integrity of credit reports. Your immediate attention to this matter will be highly appreciated.
Consumer complaint received 2023-04-03
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
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. (IL)

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 2023-12-11
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: Kikoff Inc. (AZ)

I have a kik account that I pay on every month and have been paying on it for months {$5.00} I go into my credit and they have me in collection saying I don't pay it and I have all my bank statements showing to this day that everything is been paid up to date so they're freely taking money out of my account and then they're going into collections on me saying I'm not paying to me that's not helping me that's to me that's not helping me that's stealing
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to XXXX, XXXX and Transunion on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.
Consumer complaint received 2023-10-15
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (PA)

Regarding a Target store credit card : We had accidentally entered the wrong information for our bank account for the automatic bill pay function on our Target credit card. This caused two of our payments ( XXXX in XXXX, XXXX in XXXX ) to get returned. We corrected our bank information later in XXXX and paid off the card balance in full, but then after we paid the full balance, Target closed our credit card account without warning and will not reopen it. 
We spoke with a Target Redcard representative named XXXX on XX/XX/2023 between approximately XXXX - XXXX XXXX  ET regarding the issue. She told us Target can not reopen our card, and this will now unfairly affect our credit score due to lowering our total available credit and raising our utilization ratio. We also can not open another Target credit card without it negatively affecting our credit.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-12-03
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. (PA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please correct or discard these items immediately : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX