davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I have XXXX inquiries that I did not made in my profile. 
, late payment that is showing on my report supposed to show how much percent in XXXX.
Consumer complaint received 2023-09-27
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (TX)

Jefferson Capital Systems , LLC constantly contacts me, and I haven't used a XXXX wireless service for over 7 years. And on my credit report, due to them, it shows 2021 I wasn't using XXXX, I was using XXXX, like I had been for 5 years. Now they keep sending emails saying I need to pay, when I told them I haven't used them for a long while, nor can I even pay them due to me being XXXX.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian multiple times to dispute incorrect addresses on my report. There are XXXX addresses that I have not lived at or been associated with. I have asked to have them removed but they will not help in my request because they are linked to an account that is not mine. I am in a catch XXXX because they will not help me remove the incorrect information because its linked to an account and I cant dispute the account because its linked to that address. I have made multiple requests as well as sent in copies of my license, bank statements, personal mail and pay stubs to show my correct address and they are not helping. Please help me get this information corrected. 
The addresses that should not be on my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-08
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. (NC)

I received my credit report on XX/XX/2023 and I noticed there were hard inquiries that do not have permissible purpose to be there. These hard inquiries are hurting mefor getting approvals for credit. I have reached out to multiple agencies about this and the issues hav not be resolved. My rights are still in violation under 15 USC 1681B. Iam attaching the hard inquires in question that have no purpose on my credit report.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due. I dont want this to go any further than it has to. 
If I cant be compensated Id like for this person to give me the original contract I signed with them and Id also would like them to send tax filings for this account.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (TX)

I placed an order on XX/XX/2024 with merchant at this website XXXX XXXX XXXX order # XXXX with the AfterPay pay in 4 option. I let a week pass and no shipping confirmation was sent or reason for delay. I emailed the customer service email they provided on their order confirmation which is XXXX on XX/XX/2024 to ask for an update on shipping and my order. There has been no response to this email to date. I emailed them again on XX/XX/2024 to please cancel my order and issue a refund to AfterPay ( my payment method ) since my order had not shipped. There has been no reply to this email to date. I followed AfterPay 's policy to open a dispute on XX/XX/2024. To date, they have not issued a chargeback in order to have the merchant refund. They responded on XX/XX/2024 and XX/XX/2024 to the dispute stating that they do not have an update but that it's in progress. I need them to file a chargeback and issue my refund for the amount I've paid. I've paid {$26.00} to date and my next installment is due. on XX/XX/2024. They need to file a chargeback of {$35.00} from the merchant.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IN)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

My loan amount was incorrect. Nelnet had me in the 20 year payment plan, then changed me back to 10 year, which is what I had with Great Lakes. Nelnet never changed the amount back to the 10 year amount. I set up automatic payments to pay the 10 year amount. They increased the amount and they did not take out the autopay for the month of XXXX and put it for XXXX. Also I have been unable to talk to anyone. I have called twice and never able to talk to anyone. On hold for over 1 hour and then get disconnected. I am just trying to do what I am supposed to do. I am going to pay this month. They need to fix this ASAP.
Consumer complaint received 2023-09-27
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. (GA)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cordoza & Wexler Recovery Services (IL)

Cordoza and wexler services comstantly call me about a civil lawsuit for money owed on a debt. I do not have any passed due bills or accounts. I do not know how they got personal information about me. They keep calling me asking me to confirm information. I refuse to do so because they appear to be a shady company that tries to manipulate people into paying money that person does not owe. They left messages over the phone claiming i can pay them directly. One person even called me a liar repeatedly when i told him that he was a scam artist and that i am not the person he was looking for. His name was XXXX XXXX XXXX.
Consumer complaint received 2023-07-19
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. (CA)

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or creditors customer service representative.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-04-04
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 : {$840.00} XXXX XXXX XXXX Balance : {$790.00}
Consumer complaint received 2023-07-19
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (IL)

I didnt have much knowledge about student loans and when I signed up at the school they said that I had to pay for my tuition and that it was {$6000.00} and they said that they would help me out and they were like cars salesman where they made it sound so good and I would benefit greatly from getting this loan and I did just that. Well I went through some trauma and had XXXX XXXX  as a single parent and homelessness with my XXXX I didnt know that the loan was increasing and now they are trying to make me pay {$22000.00} and I went on social security for XXXX and other XXXX XXXX and I am trying to get help from your company to help me get some of that interest taken away since I was mentally XXXX at the time..please help me
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I filed a dispute on XX/XX/XXXX for charges totaling XXXX and was given case number XXXX. I told chime these charges were fraudulent and that I was at work at the time these charges were made. I even called chime a day before the charge occurred to let them know my account had been compromised and they said they would cancel my card and send me out a new one. They did not cancel my card like they should have and that is when the fraudulent charges occurred. Ive filed 5 rebuttals and they keep denying my claim saying no fraud occurred. When I asked for the proof they used to come to the denial and they wont show me the proof all they keep sending me is the same documentation I sent them and then the claim form which is not providing me a valid reason as to why they denied my claim. These charges are fraudulent and I would like my money refunded as soon as possible
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

American Express notified me on XX/XX/XXXX that if i didnt pay them {$2800.00} by XXXX they were going to consider cutting my credit limit. I called them immediately and they told me that I " i had to wait till i was cut down and then i could file an appeal. '' I updated my new increased salary on my American Express profile and made a balance transfer of {$1000.00} to reduce my balance on XXXX. 

On, XX/XX/XXXX, a Sunday, American Express emailed me that they were cutting my limit by XXXX effectively " maxxing out '' this account. They said it was because I " had not been making enough payments '' even though I have made the minimum payment consistently and have been a card holder since XXXX. They effectively will cut my credit score in a week.
Consumer complaint received 2022-12-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Acct XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX. XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX has violated my rights. 

1

5 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 c
onsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2023, some fraudster XXXX ' withdrew {$800.00} from my checking account using my debit card. I have no idea how they got my debit card details and I have NEVER been a customer of this shady online gambling site. I don't know why XXXX is allowed to do transactions on stolen debit cards - shouldn't they have to request customer identification to ensure the customer is at least of age and are who they say they are? Moreover, USAA notified me- is this fraud? So I said - yes - what is this charge and who are these people? Nonetheless, they let the {$800.00} be deducted from my account causing a check I wrote to my 401K replacing a hardship loan that is time-sensitive to be bounced. I called USAA MULTIPLE TIMES begging them- please do not bounce this check- this is just because of this fraud - they said they wouldn't on several recorded calls and THEY JUST BOUNCED IT ANYWAY. I am so so so sick of the way they are now treating veterans and their families. I have been up all night super upset that they caused all this drama. Also, when they know this {$800.00} is fraud, why do they have to wait for it to post and then do an investigation before replacing the $ - had this fraud not happened, the check would not have bounced. Why can't they do a provisional credit right away or at least prevent any 'bounced checks ' while they resolve? They claim they have a zero-liability policy for fraud - well they caused me a serious problem. I don't know if I can get the funds now to honor the payback of the loan which will hit my 401K AND cause me a penalty - all because of this fraud that is not my fault. I am disgusted that this is how they do business. They let a computer just bounce checks when they know that money was fraudulently taken from my account- I had to spend all day on this fraud situation. Then, when I got notice the check was presented, I sent cash via XXXX from another account to cover the difference - yet USAA still bounced the check - even though I spent like 2 hours on the phone with various people who told me ON RECORDED LINES that USAA would honor the check. I also got no sleep and am now just sitting here crying because they are wrecking me financially by causing me to have a 401K tax penalty because I could not return the loan in time because USAA did this to me. I want an apology and I want this fixed. They say they have a 'zero liability ' policy for fraud - clearly, that is not the case. They have harmed me for fraud done to me because of their carelessness and lack of timely response.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my one of my numerous 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 extortion. XXXX XXXXXXXX XXXX XXXX. The company agreed to remove this. Please DELETE ASAP.
Consumer complaint received 2023-01-25
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. (VA)

This is regarding the Equifax data breach and that it has had an negative adverse reaction on my life and credit and having a too low of a score to qualify for credit products. 
15 USC 1681 a ( 3 ) - Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681 b- ( 2 ) - I never gave consent in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is an inquiry on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax Credit Report immediately. Please remove the following - 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 Thank You XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I believe XXXX XXXX XXXX sold my phone number to PRA Group aka Portfolio Recovery and now I am receiving repeated and almost daily calls from different numbers from this company. 

( XXXX ) XXXX PRA Group - XXXX XXXXXXXX XXXX number blocked ( XXXX ) XXXX PRA Group - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked. 

I DO NOT have an account with PRA Group aka Portfolio Recovery, and they have not mailed or emailed anything to me detailing this non-existent debt. 

XXXX XXXX XXXX complaint number : XXXX