davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (OH)

I made 2 final payments, one was XXXX and one was XXXX. Website states in loan description I would have my money 10-14 days, they changed the quoted time frame with no notice to 14-20 days.
Consumer complaint received 2023-01-30
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. (SC)

Convergent Outsourcing has been reporting a invalid account on my consumer report which is violating 15usc1681a-4 privacy obligation VIOLATION 1, they're not protecting me as a consumer. 2nd violation is 15usc1681b no permissible purpose to place on my consumer report without my consent or wet ink validation which is violation 15usc1681 section 604 a section 2. I have given them 15 days to provide proof that this account belongs to me and they have yet to do this. 15 days are up, so the account has to be removed. 5usc552a you broke the privacy law. I have a right to privacy 15usc 1681 section 602a. 
Accounts according to FCRA being violeted of my confidentiality rights are XXXX  XXXX XXXX XXXX XXXX according to my recent cfpb complaint they stated that they will stop all collection activity and remove from my consumer report First Progress XXXX 30 days Late 15usc1666b timing of payment violation 15usc1681a ( 1 ) a ( 2 ) transaction history excluded 15usc1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15usc1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any CRA if the person knows or has reasonable cause to believe info is inaccurate.

{$1000.00} per violation sued and or prisonment.
Consumer complaint received 2021-04-04
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: Experian Information Solutions Inc. (DE)

Account not mines, submitted FTC report with accounts that are not mines. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$650.00} Account number XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$650.00} Account number XXXX
Consumer complaint received 2021-04-04
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 (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2022-01-30
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. (FL)

Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XX/XX/XXXX. I when to XXXX Nissan to lease a vehicle. When I arrived, the car I called about 20 minutes prior was no longer available. They then showed my a few other option and said the price difference will be minimal because its a lease against the directive in total cost. They said they need to check my credit and to sign some papers. I said, I dont want to sign until I see some numbers. They said they can get the numbers and do a soft inquiry. I said to make sure its only a soft inquiry and I asked them 2 times to make sure. They confirm both times, its only a soft pull. There were 2 representatives that I was working with, and they both confirmed this. I signed the paper based on their word, to not do a hard pull/inquiry. Then 2 minutes later, I received a hard inquiry alert on my phone from both XXXX and XXXX XXXX. I was so upset. Unbelievable, I told them. The floor manager came and said sorry, there was miscommunication between sales team and finance person. He said I shouldnt have sign any papers. I said, your sales team said to sign abs I thought it was for the soft inquiry. He said there is nothing they can do now. Then proceed to try and make a deal. My XXXX score dropped XXXX points because of them. Im not buying anything from these guys.
Consumer complaint received 2021-04-04
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (PA)

XX/XX/2021 I received a letter from AFNI, INC saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from XXXX  XXXX  XXXX  , XXXX XXXX I Wrote Afni a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. Afni told me to contact XXXX  XXXX  XXXX  for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either one of these companys when I am asking for validation.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello Team - There are multiple transactions from my Bank of America Checkin account between XX/XX/XXXX to XX/XX/2021. I was out of the country with my family from XX/XX/XXXX to XX/XX/2021 and during my absence a new debit card was delivered to my home address and looks like someone got that card and did transactions of more than {$6300.00} from my card. When I came back to US on XX/XX/XXXX and checked my account around XXXX then noticed that someone is doing continuous transactions from my account. I called customer care to report problem then they froze my account to stop further transactions but for further research and processing they asked us to visit branch with photo ID. When I went to branch they mentioned it will be handled by fraud dept online and they can not help. Then again I called customer care in evening, they repeated the same thing to visit a branch and call from there, After back and forth with bank and Customer care I got an appointment with one of the bank rep on Wednesday XX/XX/XXXX, then after verifying our identity from there we called fraud dept with the help of bank rep, it was an hour long call and she discussed about each transaction and told us she has registered our complaint and I will get our money back between 10 to 90 days. We felt little better as they all assured that I will get our money back and I were waiting for same ... 
Yesterday, I noticed that there was a letter in my mail that my claim has been rejected and reason mentioned in the letter was " these transactions were authorized by me ''. which is absolutely wrong as I never got that new debit card and not at all aware who received it and used it ... 
I have again done appeal to bank yesterday XX/XX/XXXXand waiting for their response.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.
Consumer complaint received 2023-01-29
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. (TX)

I am a living human who has rights under 15 USC 1681.

Equifax is also governed by 15 USC 1681, and they have violated my rights tremendously. I am sending this complaint demanding that these accounts be removed. Under the law/rights of rule 15 USC 1681 , I have rights to privacy and I did not give Equifax permission to furnish these accounts. 

I am listing the following accounts below : * Acct no 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 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 2021-04-03
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: EQUIFAX, INC. (CA)

There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}
Consumer complaint received 2017-06-06
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. (NV)

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX  to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX   The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX
Consumer complaint received 2023-05-02
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. (MS)

There is a discrepancy of a late payment for my XXXX account. For my Experian and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for Experian the balance {$19000.00}.
Consumer complaint received 2022-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc. (FL)

I got a loan on the vehicle in XXXX right before the coronavirus pandemic. Everything was in line until the XXXX XXXX cause my job to cut hours and then not being eligible for any XXXX relief checks I fell extremely behind due to me XXXX  XXXX as well during this time which caused me to be outta work for a month. And I struggled continuously to catch back up and still kept falling behind. I explained this to us auto sales and I have drained all my back payments they can offer. Then currently in XXXX I XXXX XXXXXXXX again within the time of me starting a new job and I explained this to us auto sales and they told me to either pay what I owe or there coming to reposes the vehicle. I just need them to be patient with me and there not understanding my circumstances. Please could you help me in this matter. Thank you!
Consumer complaint received 2023-05-02
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. (OH)

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including my correct address. 

XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Consumer complaint received 2021-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/2021 CAPITAL ONE BANK USA NA XX/XX/2021 CAPITAL ONE BANK USA NA  XX/XX/2021 XXXX  XX/XX/2021
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NV)

yes, you guys keep claiming that you guys have tried to call me for my account ending in XXXX. I never gotten a call from you guys or any voicemail regarding my fraud claim.
Consumer complaint received 2024-03-21
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. (DE)

In accordance with the Fair Credit Reporting Act the list of accounts listed below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX15 USC 1681Section 602A : States I have a right to privacy. 15 USC 1681 sect. 604A : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1681c ( 9 ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other diverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2021-04-04
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: Lending Club Corp (CA)

Lending club incorrectly marked my credit line with a XXXX late mark while my account was in forbearance during the month of XXXX and XXXX until XX/XX/XXXX with an additional 15 day buffer. I have made multiple attempts at speaking with lending club and their manager refuse to help, their number listed on the credit report is a fax. Ive filed many complaints and no resolutions have been made
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AZ)

On XX/XX/XXXX I XXXX XXXX disputed several inaccurate items on my LexisNexis Disclosure Disclosure file. One item in particular stood out in the XXXX XXXX XXXX by a business named XXXX XXXX. The name also associated with this business did not associate with me as well. These items were disputed with the Consumer Financial Protection Bureau as well. LexisNexis said in the response letter to myself and the Consumer Financial Protection Bureau that the item in question which is XXXX MARKETING was in fact removed from my credit file but upon reviewing an up to date LexisNexis Credit Report dated on XX/XX/XXXX LexisNexis has committed a reinsertion violation by re-inserting XXXX  MARKETING back onto my file. They not only re-inserted the derogatory item back on my file, but they did not notify me in writing within XXXX business days as required by the Fair Credit Reporting Act.
Consumer complaint received 2021-04-04
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: Shellpoint Partners, LLC (MD)

I was hospitalized for Covid 19 from XX/XX/XXXX to XX/XX/XXXX. I was incapacitated and could not make my mortgage payment but I had the money in my bank account. When I came to on XX/XX/XXXX one of the first things I did was to make the XX/XX/XXXX mortgage payment. I have a great history of making payments with no 30 day lates on any of my 17 accounts. I got a letter from my doctor and sent it to Shellpoint on XX/XX/XXXX. They subsequently removed the late payment penalty penalty and they said they would reverse the 30 day late payment on my credit reports. .But as of now they have not removed the late payment with XXXX  even thought it appears they have with XXXX  and XXXX XXXX XXXX I have spoken with them ten times and they are refusing to remove the late payment with Experian. Please advise.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A Capital One auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. Capital One updated the loan status to the three credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my XXXX  report & showing closed delinquent with a 0 balance on myXXXX  report. As a result the errors have dramatically affected my overall credit scores as well as XXXX  scores related to auto financing. I have disputed the errors & requested updates from both XXXX XXXX XXXX but nothing has changed or been removed. The errors on the XXXX  report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. XXXX  blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX  correctly updated the information & XXXX  updated most of the information correctly ( with the exception of status being delinquent instead of current ).