davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-04-26
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. (NJ)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Upon returning to the US after a trip abroad in the Fall of 2022, I began to receive multiple calls about a {$200.00} payment that was claimed I owed to XXXX. 

My account with XXXX has always been on auto-pay, so I accessed my account information to verify that all payments had been made and that no additional payment was owed. All payments had been made and my XXXX account showed no amount due. 

The calls kept coming. 

Worried about possible scam and theft connected to the possibility that my financial information might have been compromised while I was overseas, I stopped taking the calls from the " company '' claiming that I owed them {$200.00}. 

Approximately 2 weeks ago, I was notified by mail by Convergent Outsourcing that my lack of payment had been turned over to collections. Shortly after that, I received notification from XXXX of the same thing. My credit history was changed to show a new account opened by Convergent Outsourcing and my credit rating was reduced as a result. 

I spent yesterday on the telephone with multiple call center representatives at XXXX and found that there was no amount owed as claimed by Convergent Outsourcing. When I tried to contact Convergent Outsourcing by telephone, they let me know that they were closed for the day ( yesterday ). 

Prior to calling Convergent Outsourcing, I had accessed their website and tried to start a complaint using that method. I provided contact information including my email address and pressed " XXXX. '' When I did so, the only change to the screen was a notification in red stating that I had provided an incorrect email address. I had not, it was correct, but the screen never changed. 

To my surprise, I received XXXX ( XXXX ) emails from XXXX overnight letting me know that the dispute I had initiated yesterday had been culminated, the issue resolved, and my credit rating restored. Again, it all happened overnight and after Convergent Outsourcing let me know that they were closed for business for the day. 

This is nuts. Had I not stayed on the phone for hours with call centers in multiple locations and then trying to submit information on what appeared to be a non-responsive website with Convergent Outsourcing, this issue would still be pending. 

It just looks way too easy to extend a false claim all the way from initial contact to credit report impact if this is how simple it is to resolve what turned out to be a false claim. 

So, what happens to Convergent Outsourcing for submitting a false claim? Will they pay me for my time to correct their mistake?
Consumer complaint received 2023-08-13
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: MOHELA (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX and XXXX XXXX added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my XXXX. This debt could not have been validated by XXXX and XXXX because it is not my debt and does not match my information.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CO)

The full amount was taken from my deposit which is {$500.00} and is paid in full with all correspondence with the credit bureaus or CFPB. The information being reported is incorrect and the law protects me from this incorrect information being reported to my credit bureaus. My lawyer and I are closely monitoring all activity regarding the collection in my credit reports. I need this to be solved as soon as possible or else my lawyer and I will take action regarding this matter.
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (NV)

I pulled my credit report and still noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX  Date Opened : XXXX Balance : {$9100.00} Account : XXXX Date opened : XXXX  Balance : {$2400.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$8500.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$4100.00} Account : XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$63.00} Account : XXXX  Date opened : XX/XX/XXXX Balance : {$1100.00} I am entitled to complete and accurate credit history ; they are missing account information and they need to be removed. 

I want my credit report to be accurate and by law these companies need to remove accounts that are inaccurate, incomplete, or unverifiable. These companies need to respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE on file for the accounts above. Unverifiable accounts must be removed immediately. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account that has late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX has late payments reported on XXXX XXXX XXXX XXXX XXXX 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ). These companies are in violation of 15 USC 1681.
Consumer complaint received 2023-08-13
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. 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 2018-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Army and Air Force Exchange Service (TX)

Name of Company : AAFES Military Star Card I'm trying dispute some late payments that was placed on my credit report from XX/XX/XXXX-XX/XX/XXXX. I tried to dispute it before with my justification being that I signed for automatic payments to be made through the Star card website but then later learned that the payments weren't being made. And due to high Operational tempo and being deployed I had limited internet access to resolve this issue. 

- I have tried to dispute this multiple times with no success and on XX/XX/XXXX I even contacted the company but they were unable to help me. 

Company 's response is found below : Hello XXXX XXXX   XXXX, Thank you for contacting Exchange Credit Program. 

Regarding your credit reporting inquiry, we can only remove negative reporting, if due to an AAFES error. 

Statements are sent out monthly to the address or email address on file. It is the responsibility of the account holder to be aware of their balance and payment information, per your terms and conditions. 

Therefore, we can not remove any delinquencies from your credit report. They will be removed by the credit bureaus after a 7-10 year period from the last activity date. 

If you have any further questions, please email XXXX or contact MILITARY STAR at the phone number listed below.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (MD)

Hello CFPB. Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 10 % correct. In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-11
Product: Credit 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: DISCOVER BANK (OH)

I used my Discover card on the XXXX XXXX to make a purchase. The seller did not supply the goods that I agreed to purchase. I knew within 1 day that the Seller was did not supply the goods. I reported it immediately to both XXXX XXXX ( who told me to contact the credit card company ) and Discover. 

Discover stated that they would not issue a refund because I used an app to make the purchase.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX  # 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AMERISOL Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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: Self Financial Inc. (NV)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists.

In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM)

My name is XXXX XXXX XXXX XXXX XXXX. On Sunday, XX/XX/2020 I processed two wire transfers each in the amount of USD {$500.00} to my father, XXXX XXXX XXXX XXXX using Moneygram.  The transaction numbers are : XXXX and XXXX. My father needs these funds because of the pandemic. 

While reference number XXXX was transferred after 24 hours, transaction XXXX is still in pending status and notes that it is " in transit '' on the online portal but has not yet reached my father. The receipt shows that the money has been sent but the online status shows it as still " in transit ''. I have attached both documents as well as the information about the successful transaction that was sent at the same time. While the unsuccessful transaction shows that additional information is needed, I have called Moneygram and chatted with the online agents every day, sometimes multiple times per day, to provide additional information without resolution. Each time that I reach out to Moneygram, they refuse to provide me with an agent number, allow me to speak to a supervisor or provide me with any additional information. The automated chat feature is disconnected by the agent each time I ask to speak to a supervisor or for agent information and the call center employees have hung up on me multiple times or simply not returned my phone calls after calling daily and adding my phone number to the queue. 

I also called my bank ( XXXX XXXX XXXX ) and they have confirmed that the money was successfully taken from my account on Sunday, XX/XX/2020. 

Moneygram has taken the money from me but I can confirm that the money has not reached my father, who I am in contact with daily. I am reaching out to you for resolution since Moneygram has not adhered to the remittance transfer rules that protect consumers nor their own terms and conditions outlined in the agreement I signed. I have attached additional documentation. Please reach out to me at XXXX ( the e-mail at my work at the XXXX XXXX XXXX XXXX ), XXXX ( the e-mail affiliated with the Moneygram account ) or XXXX.
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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
Consumer complaint received 2023-04-26
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account Number : XXXX 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.