davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (NY)

I filed a dispute with experian and a dispute with XXXX XXXX XXXXXXXX XXXX  furnished my credit report with a line of credit that belonged to someone elseXXXX XXXX XXXX knew that the social security number was totally different from the social security number that belongs to my credit report. XXXX XXXX denied the removal of the account for more than a year, I was accused of being the person who opened this XXXX XXXX account, I sent XXXX XXXX a copy of my social security card through the cfpb showing that the social was different, I was denied credit within the time of the XXXX XXXX account that was being reported, I'm putting XXXX XXXX on notice that I will be filing suit, for violating the fcra and furnishing my account with fraudulent information willfully, even after I disputed the information as being incorrect. I uploaded the documents from XXXX XXXX accusing me of owing this debt,
Consumer complaint received 2023-09-06
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)

I called your department after I purchased a credit report with XXXX  on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE/CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late/closed, charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late/closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 2016-08-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Cognition Financial Corporation (MA)

I use XXXX XXXX XXXX to pay for college. They charge a fee to break the amount into XXXX payments. I have made XXXX payments for the Fall semester and have been charged a late fee. I do not believe I have been late. Last year they tried to charge me late fees because I did not send in the same amount every month. I think the late fee is a scam.
Consumer complaint received 2023-06-21
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. (CT)

This is my second 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 alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
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. (NJ)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

In XXXX of 2022 I was behind on a few payments through Santander. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that Santander sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know Santander is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.
Consumer complaint received 2023-06-21
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. (NC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX account close in the year XXXX for XXXX and I notice the account reopened for XXXX on XX/XX/XXXX stating I owe money. I contact the bank and they stated, it was a mistake the account was closed in XXXX. The lady stated she did not see anything on her end about the account being open at XXXX. She only sees the account being closed in the year XXXX for XXXX. I contact Experian, XXXX, and XXXX to put in a dispute in XXXX with no changes and my credit usage is 181 % which is incorrect. The other credit score credit usage is 47 %. All my XXXX XXXX cards are closed and using XXXX XXXX to consolidate credit cards to a monthly payment. This is hindering me from applying for a loan on a house. Then Experian stated, don't worry about the credit usage being higher, however, it will not stop you from getting a house. I talk to a realtor she stated, Experian and XXXX XXXX XXXX are stopping me from purchasing a house. The credit usage is high and incorrect information on credit reports with open accounts that are closed.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I had XXXX credits to be given to me from TD Bank of {$400.00} and {$330.00} and the bank said they credited me but never did. The bank said the XXXX was not posted but it was a transaction made for XX/XX/XXXX and the merchant said that they had credited me for this purchase I did not use but calls to the bank do no good. The bank refuses to put the bills for these into my account but the vendor claims he cancelled both of them so the vendor said the bank is holding my money that the vendor gave back.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law offices of Steven Cohen LLC (NJ)

The company XXXX XXXX has Close the account XX/XX/2017 now the Law office of Steven Cohen, LLC is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian refuses to remove negative information even after I submitted Identity Theft Report by FTC and a local police filed with the XXXX XXXX  XXXX. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft reports until XX/XX/XXXX. They are saying the information was verified by Address Identification number XXXX but that address Identification number isn't on my credit report. They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. The mail receipt and return receipt are attached. These are the accounts in question. 
XXXX XXXX  ACCOUNT BEGINNING IN XXXX - {$96000.00} XXXX XXXX ACCOUNT BEGINNING IN XXXX - {$19000.00} XXXX ACCOUNT XXXX {$72000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXXXXXX XXXX  XXXX - {$69000.00}
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a mistake in this decision, and I would like to appeal for a re-evaluation of my case. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. I have not knowingly violated any of these policies, and I take the terms of service seriously. Therefore, I am perplexed by the decision to permanently limit my account. 

I kindly request that PayPal conducts a thorough and impartial review of my account activity. I am confident that upon such a review, you will find no substantial grounds to justify the permanent limitation. I am more than willing to provide any additional information or documentation required to assist in this re-evaluation process. 

My PayPal account has been an essential tool for managing my financial transactions and online payments. Its limitation has caused significant inconvenience and disruption to my personal and business activities. I sincerely hope that this matter can be resolved promptly so that I can regain access to my account and continue using PayPal 's services. 

In conclusion, I firmly believe that my account limitation was imposed in error and request that PayPal re-investigate my case thoroughly. I kindly ask for the restoration of my account if, upon review, it is found that there are no valid grounds for its permanent limitation. 

Thank you for your prompt attention to this matter. I eagerly await a favorable resolution to this issue. 

Sincerely, XXXX XXXX
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. (MD)

This is XXXX XXXX XXXX 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 2024-06-25
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: DIGITAL FEDERAL CREDIT UNION (MA)

In XXXX XXXX, I noticed an unauthorized charge of {$980.00} on my Digital Federal Credit Union ( DCU ) credit card. Despite reporting the issue promptly and affirming that I did not authorize the transaction, DCU 's investigation concluded with a letter from XXXX XXXX XXXX claiming that the charge was deemed authorized. 

This outcome perplexes me as I have had possession of my card and did not engage in the alleged transaction, which is purportedly linked to a XXXX XXXX flight purchase in XX/XX/XXXX. However, this claim is baseless as I did not travel nor make any such purchase. My attempts to obtain further information from DCU have been unsuccessful, leaving me unable to resolve this matter independently. 

One peculiar aspect of this case is that the charge supposedly made in XX/XX/XXXX only appeared on my account on XX/XX/XXXX. This delay raises questions about the transaction 's validity and the thoroughness of the investigation. 

DCU 's lack of transparency and assistance has resulted in a significant financial burden for me. As a recent graduate from XXXXXXXX XXXX, I am certain of my whereabouts and financial activities during XX/XX/XXXX, a time when I was preoccupied with academic commitments and personal responsibilities, such as XXXX my mother 's car at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-10-04
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: AMERICAN EXPRESS COMPANY (FL)

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 2023-06-25
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: EQUIFAX, INC. (DE)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-10-25
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. (NH)

Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with Experian, XXXX and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with XXXX, Equifax and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please verify these accounts and inquiries, as they contain incorrect and unauthorized information. 

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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is 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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Late payments were reported on my credit report for the following. 


XXXX XXXX XXXX  Currently late - 7 missed payments XXXX XXXX XXXX XXXX  XXXX 2 missed payments
Consumer complaint received 2022-12-07
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. (GA)

I have been trying to get my personal information on my report accurate since XX/XX/2022 with Experian. The method of contact each time I have contacted them to dispute my personal information were by phone. I received XXXX emails afterwards each time I contacted them via phone. XXXX was to rate my experience and the other one was my dispute results. 

Experian removed all inaccurate information on my report for personal information except for XXXX of the names that is attached to my report that is inaccurate. The name that is showing up as First, Middle, and Last name is inaccurate. I have a total of XXXX names showing up under my personal information ; XXXX of the names is inaccurate due to incorrect spelling of the middle name which can be labeled as a form of fraud. To prevent that from happening I called again ( multiple times ) the same day of receiving my dispute results e-mail on XX/XX/2022. Hoping I could get it removed. 

I received my dispute results on XX/XX/2022 for the phone dispute I did after calling again. 

I spoke with several employees but this specific male employee ( I have his first name only ) did not have good customer service. It seemed as if he already knew what I was calling about so he was prepared. I asked to speak with the office supervisor or manager and he stated that he was not transferring me to the supervisor. Instead, he asked me what I wanted to speak with the supervisor about over and over. Please, pull the phone record if needed because I had a very bad experience when all I needed was the inaccurate name removed. His attitude was more nice nasty and his customer service should have been better because his job is to help me even if he can't. 

It is now XX/XX/2022 and I still have the inaccurate/misspelled name on my report when it needs to be removed. Experian employees was giving me a hard time about it and wouldn't remove it even though I have every right because it's inaccurate.
Consumer complaint received 2023-02-11
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXXXXXX XXXX : {$560.00}