davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Consumer complaint received 2018-10-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Disputed the debt several times and the debt is passed it statue of limitations. The creditors no longer have the debt on my credit report but the collection agency reaged the account and refuse to take it off my credit report. The amount was {$940.00}, they are violating my rights! I have diputed this account over a year now! Last letter they sent was XX/XX/2016!
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (AL)

I'm in graduate school and it is reported in studentaid.gov, the repository they should be plugged into and able to see my student status. In studentaid.gov, it shows that I'm a full time graduate student, despite this fact, EdFinancial has still begun charging me interest on my undergraduate loans and said I owe payments. As you well know, undergraduate loans should be deferred until I'm graduated. 

Despite all this, EdFinancial is impossible to reach via phone. I've called 4-5 times, I've emailed several times and I have been completely ignored. I'm getting very discouraged as this almost seems like an illegal racket as my loans are accruing interest while I'm not working and I can't reach anyone to dispute or fix this issue. I'm so frustrated and discouraged.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I received paper work the court saying that I got served. The lawsuit is from a Midland Credit Management Company saying that they are suited me for the amout of {$8800.00}. According to them some goods being purchased from the retailer with the rental - purchased agreemet on XX/XX/XXXX. The lease company ( lessor ) XXXX XXXX XXXX. This was a fraud under my name and somebody used a old previous address that I used lived back XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (CA)

XXXX XXXX XXXX has been persistently reaching out to me, even though I've paid my debt with the original creditor. Just last week, a representative from XXXX XXXX XXXX contacted me regarding this account and inquired about my payment plans. I explained that I had already paid the original creditor in full. The representative claimed he had no way to verify this payment or contact the original creditor. I informed him that this was unlawful and violated the FDCPA and FCRA, as they continue to report the debt as unpaid. The representative argued and said the best he could do was mark the account as disputed. Payment Confirmation Number XXXX was paid directly to the original creditor Fortiva.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc. (OR)

On or about XX/XX/2022 I paid off, in full 5 credit card accounts, and sent letters to close those accounts. For some reason, one account XXXX XXXXXXXX the worst of accounts refused to close the account. I was only made aware of this by a bill they sent me a week ago. I called them, they said they received no such letter ; I sent all 5 by certified mail and my computer has the original letter and date stamped when it was written. This Company is basically committing credit card FRAUD!! Their card was promptly shredded and even their records show it has not been used!! Why is it that the other 4 creditors had no problem but Total Select, the bottom of the barrel, when it comes to credit cards, has ignored my request and is basically trying to scam me for money I DO NOT OWE THEM?!? I closed that XXXX account and I have proof.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Last year while out the country my account was fraudulent attack by someone using XXXX XXXX. I called to make a claim, the fund was returned, and I was offered a service to receive alerts when my card is being used. I do not receive the alerts on consisted basis. However, last month I receive an alert from footlocker regarding a purchase that I did not make. I receive the alert around XXXX XXXX but did not see the actual alert until XXXX. I went to a local branch to talk to a banker who gave my information to the fraud department due it being after XXXX. The next day I called made a claim, the representative looked over my account and stated that she notices. that I had a previous fraud claim regarding XXXX XXXX and she notice that I do not spend no more than XXXX XXXX XXXX XXXX and she told me that hackers usually spend smaller amounts so that customers don't realize their account is being hacked. she added an amount that was fraudulent used from XX/XX/23 as well as the currently claim last month. The amount from last month was denied due to their policy of 90 days. So, fifth third is allowing my card to be hacked and will not refund my money. I called the actual company of one of the other charges that refunded my money, but it was sent to the card that was closed. When calling Fifth Third to retrieve my funds, I was told I have to file a dispute to receive my funds instead of the re-routing the funds to my new account. I have really had enough of this company.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This debt was from XXXX or XXXX, XXXX brought the debt and reported inaccuracies like I defaulted the loan in XXXX, which is not true. I reach out to all credit bureaus to validate this information and inaccuracies. Very the original creditors information they won't even provide the information. They going off XXXX information which isn't accurate. Also I attached how the credit bureau doing validation. I submitted a validation request from the creditors and original creditors on XX/XX/XXXX and XXXX XXXX its back with the information been verified, on what proof.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc. (TN)

Experian is discriminating against me because I am XXXX and have been unable to work since 2015. I was retired from XXXX XXXX at that time, and despite providing documentation to Experian that I have over 30 years of positive credit history, they still refuse to acknowledge my current credit-worthiness and continue to label me as having 'insufficient credit history ' which is untrue and has prevented me from obtaining a XXXX XXXX credit card through XXXX and now I have been denied a checking account by XXXX XXXX XXXX XXXX which I was applying for in an attempt to obtain a secured credit card to help re-establish my good credit. Furthermore, Experian has refused my request to add a personal statement of dispute to my credit report in an attempt to explain my situation to potential creditors. This is a violation of The Fair Credit Reporting Act section 611 ( b ). I wrote to my Senator along with the US Secretary of Veteran 's Affairs and asked for their help, but Experian has refused to allow either of them to advocate for me and continues to penalyze me for my hardship. 

I can come to no other conclusion, but that Experian is refusing to acknowledge my positive credit history because I am XXXX.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

I contacted the company and told them I dont owe {$1500.00}. Since XXXX  they increased my owed amount over {$500.00}. I refuse to pay any of it because theyre making false claims and they dont even have proof that the debt is mine, theyre not the original creditor. I get mail saying Im commuting a crime and theyre taking me to court. I want this to stop. They dont have my wet signature. They never provided me with proof of anything and on top of that I have been a victim of a nationally declared disaster. I have been homeless for the past 3 years. Jobless for longer than that.
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: Experian Information Solutions Inc. (MD)

Hello CFPB. Recently, I did an investigation on my credit report which caused XXXX 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 2023-08-17
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. (AL)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00}XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XX/XX/XXXX XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX : {$980.00}XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXX XXXX, GA XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$25000.00}
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 2022-10-25
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: Experian Information Solutions Inc. (NM)

This company has not solved this issue in the time set. They were to properly investigate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Have not received any results
Consumer complaint received 2023-06-19
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. (MA)

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 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-06
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. (GA)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (FL)

on XX/XX/2022, I had purchased a house through the XXXX/New American Funding program . Before we were able to do the 2nd closing with NEW American ( Conventional closing ) the XXXX of XXXX was it by a storm. For days, I told XXXX that the drains surrounding the pool needed to be taken care of since water would not drain fast enough. I sent pictures and several emails to my realter as well as XXXX XXXX with New American. It rained every day that week before the worst storm happened on XX/XX/2022. The drain completely stopped working and several inches of water came in through the laundry, dinning/kitchen and part of the living room. I tried several times to get out of the contract due to My daughter and mom having XXXX XXXX and I could not put them at risk in a house with Mold issues but New American said I would not be allowed to back out unless i wanted to loose my Deposit of XXXX and whatever other expenses i incurred. 

I demanded 2 addendums. One for the pool/enclosure and the other for the mold report/ water damage repairs, to be added to the second closing with New American so I would not be responsible for a house with water/mold damages. They agreed and we finally closed! 

Weeks later, I started reaching back out to XXXX XXXX, XXXX XXXX, so they would send me the mild report so I could proceed with repairs. Nothing. I had a handyman remove part of the wall in the dinning room and it had mold behind it. I sent pictures and after several escalations, XXXX, XXXX XXXX as well as XXXX XXXX, would NOT honor the addendum for the damages inside the house. I got stuck with water damages and all the repairs that needed to get done. On XX/XX/2022 I asked XXXX XXXX to please reconsider and make this right, he refused.
Consumer complaint received 2023-08-17
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. (TX)

I sent certified letters to Experian on XX/XX/XXXX disputing 4 incorrect items on my credit report. I included the credit report, circled the issues I was referencing and included my SS card copy and Texas Drivers License. These letters were never responded to as of today XX/XX/XXXX. I am attaching proof of certified mail sent and a copy of the letters asking to delete the items if they could not validate the debt : These are the accounts I asked them to verify : Account Number : XXXX {$1400.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX {$120.00} Account Name : XXXX XXXX XXXX Account Number : XXXX {$75.00}
Consumer complaint received 2023-09-06
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. (GA)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-04-05
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. (TX)

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. There is also no original creditor listed for the alleged collection account which was detailed in my dispute letter. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( XXXX  XXXX XXXX FOR {$330.00} OPENED XX/XX/XXXX ) ( XXXX FOR {$1300.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX XXXX FOR {$7800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$470.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$220.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX FOR {$200.00} OPENED XX/XX/XXXX, ) ( XXXX XXXXXXXX XXXX FOR {$790.00} OPENED XX/XX/XXXX )
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

my company checking account started to show fraudulent transactions on XX/XX/XXXX, I reported to Citibank on XX/XX/XXXX, but the fraudulent transactions still keep coming in with a total of 11 fraudulent ACH transactions before citibank finally closed that account and open a new accunt for my company on XX/XX/XXXX. Citibank refunded all of these 11 fraudulent ACH items but on XX/XX/XXXX, they took {$220.00} ( one of the fraudulent item ) from my account and said that ACH is appropriately applied while it was 100 % fraudulent. There were other 6 fraudulent items from that same vendor ( XXXX XXXX ) which were all refunded to me without issues. This particular item showed up on my account on XX/XX/XXXX {$220.00} as ACH DEBIT XXXX  XXXX Mobile Payment, I reported on XX/XX/XXXX along with other 2 transactions, Citibank sent a STOP PAYMENT confirmation on XX/XX/XXXX, and refunded that {$220.00}. But on XX/XX/XXXX, Citibank deducted {$220.00} from my account and sent a letter saying they found that the ACH transaction was " appropriately applied '' - ignoring the STOP PAYMENT request executed and the fact that there were 6 others fraudulent transactions from XXXX  XXXX ACH debit which were all found to be frauds and refunded without issues.