davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Experian Credit bureau has failed to respond on the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2021-12-28
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: Affirm Holdings, Inc (PA)

I have reached out to AFFIRM INC and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. AFFIRM INC is in violation of my rights as a federally protected consumer.
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to LVNV Funding and Attorney General of Texas complaint.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I tried to contact or submit a complaint as I have been trying to find out why my credit report from Equifax is being denied -- as it says there is no information about me. 

All other XXXX entities like XXXX and XXXX i am able to pull my credit reports, but no Equifax. 
I have trying to contact, but to not avail and their support just keeps saying i need to buy a subscription to be able to see my credit. ( how can I do that when I not even able to pull my credit from the XXXX ) Just no sense, I just would like to check what the issue and correct it so my credit checks dont keep getting rejected.
Consumer complaint received 2022-03-16
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. (GA)

I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and Experian so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report
Consumer complaint received 2021-12-28
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: TrueAccord Corp. (PA)

I have reached out to XXXX XXXXXXXX and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. XXXX XXXX is in violation of my rights as a federally protected consumer.
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

PayPal is allowing a user whom they have stated they where involved in unusual activities to continue to use their services. They are allowing someone who is engaging in practices that allows him to take peoples items, without paying, and then sell other peoples items for their own personal gain. PayPal stayed that the matter would be addressed, but as of this time, it has not been. The user through PayPal now is still active, still being allowed to use the services, and still allowing the user a platform to steal peoples money. Complaints about the user has been made to the AG office in NH, and law enforcement. 

User in question XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX United States PayPal email address XXXX XXXX
Consumer complaint received 2021-12-28
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)

On XX/XX/2021 I certified mailed a notarized FTC Identity Theft Report, copies of my drivers license, social security card, utility bill and a letter statement from me that the information is not information relating to any transaction by me to Experian. I have proof that they received it on XX/XX/2021. I had XXXX XXXX, XXXX and XXXX XXXX listed as fraudulent accounts, fraudulent names, fraudulent addresses and inquiries listed as well. Experian blocked XXXX XXXX, all the fraudulent names, fraudulent addresses and inquiries. The representative XXXX XXXX said that XXXX wasn't blocked because it was more than 5 years on my credit report. This is absolutely absurd to me when it is identity theft. She also said that XXXX XXXX wasn't blocked because the FTC Identity Theft Report did not have the date the account was opened nor the fraudulent amount. I told her that I didn't know that information and the FTC report said to list it only if I knew that information. Why would they only Block some of the fraudulent activity from the FTC Identity Theft Report and not all of it? But I have attached the updated FTC Identity theft Report with the dates and amounts they requested added.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

Equifax is listing a judgment on my report. I contacted the XXXX XXXX courthouse and they stated the judgment was entered but never actually filed. I 've disputed this listing 3 times and Equifax keeps saying they verified it. XXXX and XXXX both deleted the judgment because they could n't verify it.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

I went on Equifax website to get my free Credit report. 
I went through all the steps and the site said ; it could not give me the free report. 
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax. 

I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors?
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I started the process of XXXX loan forgiveness through Mohela earlier this year. I contacted Mohela and spoke with a rep on more than one occasion regarding next steps and specifically inquired about consolidation. Each time I was advised that I should NOT consolidate any loans as XXXX loans would be eligible for forgiveness with over XXXX payments, but the other loans did not yet qualify. They advised that my payment counts would reset and I would not receive any forgiveness. This was completely inaccurate as I later learned that if I consolidate prior to the end of 2023 the highest payment count would be applied to the new consolidation loan. As soon as I learned this I reached back out to start the consolidation process. StudentAid.gov rep assured me that consolidation would be approved sooner than XXXX forgiveness. I was NOT informed that I could request to have those XXXX loans not included in forgiveness consideration in order to insure that the consolidation processed. Instead the XXXX loans were forgiven just a few days before the consolidation processed. This mistake leaves me with over {$92000.00} in loans that should have been eligible for forgiveness through the current rules. I have spent countless hours on phones calls with Mohela ( XXXX plus hour wait times, disconnected multiple times ) and AidVantage with no help. I have sent emails that have been closed with no response other than we see that you have called previously and will assume this issue has been addressed. I am a XXXX XXXX dealing with a XXXX diagnosis. I rightfully have earned XXXX forgiveness through over 10 years of service at a nonprofit, and all loans should be included. Mohela is deceptively giving out inaccurate information, resulting in loans not receiving appropriate forgiveness which then results in them continuing to collect on ridiculously high interest rates. I do not believe it is a coincidence that the XXXX was processed a few short days before the consolidation was approved. This needs to be investigated and corrected. I will continue to fight having to repay any more on these loans that should have been forgiven fully. 

XXXX XXXX
Consumer complaint received 2021-12-28
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. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond to the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-12-28
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. (KY)

I had an auto loan with XXXX XXXX XXXX XXXX that originated on XX/XX/XXXX. I defaulted on this loan on and the vehicle was subsequently reposessed. I settled for an amount and the rest was shown as a charge off. In a vain attempt to have this negative information removed from my credit report I filed a dispute with the Experian and XXXX and subsequently disputed the results of those investigations. I have recently tried to have the information that I did not agree with the results of the dispute removed from my credit report. After speaking with XXXX XXXX XXXX XXXX XXXX I had a letter faxed on XX/XX/XXXX from their XXXX, KY location to their credit reporting location of which I have attached. After not receiving a response within 30 days I filed a dispute with Experian on XX/XX/XXXX and received the results under report number XXXX on XX/XX/XXXX. The information that I did not agree with the results of the previous dispute was not removed and my account was moved into a collection status.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NY)

I have been a card holder of a Banana Republic store credit card through Synchrony Bank since 2009. Recently, my account was changed from a store credit to a Visa credit card by Synchrony Bank without my authorization or my consent. This has resulted in reporting of a new account and new line of credit with the credit bureaus. I raised my concern with this Banana Republic and Synchrony Bank, but no action has been taking. 

My privacy and credit has been violated by this new account that was opened without my authorization. My credit score was negatively impacted multiple points by this new account being opened without my authorization.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verified First, LLC (NC)

So I was applying for a job with this company XXXX XXXX and their security company named XXXX XXXX did my criminal background check. The criminal background check came in and I was sent a copy and so was the company. I looked at the information on their report and they have my social security number in XXXX NV, XXXX and I have never lived nor have I ever been to XXXX NV. So someone in XXXX NV has got my social security card number and they are using it for illegal and criminal activities and they are misusing and misrepresentation of me when I was born and raised in XXXX XXXX NC. I live in XXXX NC.
Consumer complaint received 2021-12-28
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

Balance : {$1600.00} On XX/XX/2019 I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Enhanced Recovery under the Dodd-Frank Act.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I recently reviewed my credit report ( because I became suspicious after receiving various calls from countless collection agencies calling my house ) on XXXX XXXX, XXXX, via XXXX and therefore, I became aware of odd credit card accounts lodged on my credit report which does not belong to me. I am classifying this incident as a breach of my personal identity and thus reporting this as fraudulent activity against me. I was a prior victim of identity theft back in XXXX, while XXXX during my eleven and a half years in XXXX XXXX ( this situation seems to be never ending ). Now, I am finding out I have fallen victim to the same circumstance like XXXX incident, in which my mother filed the police report on my behalf during my XXXX and placed various fraud alerts and a credit freeze on all three credit files, plus reports with other government agencies. I have filed an online identity theft report with www.identitytheft.gov, ref # XXXX ; filed a credit bureau fraud alert at XXXX  confirmation number : XXXX ; and filed a fraud alert with the Federal Trade Commission at www.consumer.ftc.gov, ref # XXXX. I did not authorize, collude, conspire, or give authorization, or grant permission for anyone to open up any credit card account in my name, nor did I have prior knowledge of any accounts opened in my name.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

I have been slowly clearing up My credit and rebuilding it, as my Husband and I need to move back to XXXX ; Currently in MI for 10 years XXXX My Husband has XXXX and I need to be with Family and eventually he will need more XXXX I can not get XXXX XXXX because of collections on my account XXXX total was XXXX $ XXXX in medical bills! 
I contacted The Attorney XXXX XXXX In XXXX, XXXX that the accounts were with XXXX is her collection firm, they were willing to work with me as I paid them off, they were removed from XXXX ... XXXX had never had any .My Problem seems to lie with Equifax .HORRIBLE, RUDE, NASTY, NO ONE to speak EMGLISH with even half decently .. I have begged for XXXX XXXX XXXX .. after many holds, I am back in XXXX XXXX!! 
I finally paid for a month subscription thinking that might work again, ... I only got an North American to speak with when I decided to cancel ... then back to XXXX, XXXX, and Other parts of XXXX XXXX who are NOT able to speak or understand you .. all they say is Please hold! 
XXXX finally got a gal in XXXX in the USA, I told her about my arrangement ... how experian was removing them ... and I had maybe XXXX that equifax should have removed, her reply to me was " if they had something to report to us they would have!!!!! and then she asked if I had a memorandum oe letter from XXXX XXXX OR the attorney asking if I could prove this was our arrangement .. I said No, However, the young lady has been reporting to Experian and they are removed .. why can you NOT do the same .... I have sent in several disputes to Equifax , I DO NOT BELIEVE THEY DO anything! 
My credi score with them has not even changed I asked why? I was told they are a bit more stringent .... meanwhile, they are ruining peoples lives! 
Hopefully you can look into the matter for me ... they need a good kick and learn to work with and NOT scam people! 

Very Truly Yours, XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastpoint Recovery Group, Inc (PA)

First, Received calls from debt collector for the amount of : {$2000.00} from a XXXX  account in my name. So, I know I have not used XXXX in like many years and then I was under the name XXXX XXXX. So my Credit report shows on XX/XX/2020 a transaction with XXXX XXXX  XXXX. On the other part report date XX/XX/2020 an address associated my current name XXXX XXXX as : XXXX XXXX  XXXX XXXX, XXXX, XXXX. I have never been to Georgia let alone live there let alone during the hight of the pandemic! I was home here in XXXX XXXX XXXX I tried to get the address off of my credit report. I tried calling XXXX to figure out how to get into my old account and they said I have no account? Even in that old account I would have been XXXX XXXX with a very old Credit card I no longer have. I am debt free. My credit report is very clean and I have a very high credit score. Please help me get rid of these people. How in the world did they associate a XXXX XXXX from XXXX, XXXXXXXX with me here in XXXX. I only ever lived here and even ran a business etc. Thank you for your help!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing To delete the Information In my File. The Items I need Deleted are listed in the report. I am Victim Of identity Theft and did not Make The Charge. I Ask That the Items Be deleted To Correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed Of the Federal trade commissions identity theft Affidavit. please delete the items as soon as possible.