davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

on XXXX XXXX XXXX, I received an alert through XXXX XXXX that my credit scored dropped XXXX points. Then is when I started to pursue and see what was going on. I seen Navient hit my credit with a delinquency and a no payment for 90 days. I immediately called them, and they told me they were trying to reach out to me and send me mail stating i was on the verge to be penalized, but they had the wrong info. My phone number was wrong and also my address. its not fair that i never knew this. they have always had my info correct in the past. They had no way of communicating with me and advising me I was going to be penalized. Ive had this account open for several years and nothing like this has ever happened. I sent them a goodwill letter on XX/XX/XXXX and I will attach it with my claim explaining everything that had happen
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NV)

I had 2 collections on my credit report as of XX/XX/XXXX. I made a payment to both, one being for XXXX XXXX at a resolved payment. the pmt was for around {$550.00} dollars. As of XX/XX/XXXX both collections were removed from my credit profile. Now fast forward to today, XX/XX/XXXX, one year later. I have received a letter from Credence saying I owe {$780.00} from a collection from XXXX. I am so upset because I have been working on my credit for the past year. I had the automatic payments come out last year for XXXX XXXX for my collection. I have a XXXX $ balance. I should not be receiving a letter saying I owe anything. Debt collectors can not lie. They can not tell me I owe something that I do not owe.
Consumer complaint received 2022-10-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I checked my credit report today XX/XX/2022 and found a lot of inaccuracies across all three bureaus.. by law my credit report must be 100 percent accurate. Please check the attached credit report I pulled today. Date last reported, Date last active, High credit limit, and Date of last payment is not the same across all three bureaus This is account for XXXX XXXX XXXX account number XXXX with the balance of {$3300.00}. Please remove this account for violation for reporting inaccurate.
Consumer complaint received 2022-10-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

Dear Consumer Financial Protection Bureau, A company named XXXX XXXX XXXX XXXX XXXX with the following address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following people behind it XXXX XXXX XXXX XXXX XXXX, aka XXXX XXXX, on the internet which is a get-rich-quick scheme was pushed me into paying {$5000.00} using a professional salesperson during a zoom call for what they advertised as " one-on-one coaching to sell on XXXX, '' which I later figured was just a pre-recorded course that was also available online for free. I lost {$5000.00} + {$20000.00} following their advice. 

I contacted my credit card company, Discover, on XXXXXXXX XXXX and disputed the charge. Before that, I contacted the seller, XXXX XXXX, and told them they falsely advertised and pushed me into paying for something that was a total lie, but they ignored me and even cut my access to the course. Discover initially returned my money, but then the seller sent them a letter with forged evidence of my participation in the so-called XXXX group to show that I received coaching which was photoshopped and it was not my participation. Discover bank based their judgment on this forged letter, and although I told them that it was a forged document, they told me that the seller should agree to give my money back. Considering the scam nature of this business and their forging evidence practices, the business did not agree to pay me back, and I hold Discover responsible for this since they based their judgment on a forged document and don't want to get involved since they only care about the {$5000.00} that was spent using their credit card.
Consumer complaint received 2022-10-04
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-16
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much for your time.
Consumer complaint received 2022-08-16
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. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much for your time.
Consumer complaint received 2022-10-04
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. These accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-10-04
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. (TX)

This is XXXX XXXX, and I am submitting this CFPB complaint to request to the Credit reporting Agencies to remove the disputed accounts completely from my Credit File. I sent a letter requesting that the Credit Reporting Agencies reinvestigate the disputed accounts from my credit report as well as remove from my report during the investigation period. As of this date, the Credit Reporting Agencies have failed to respond to my request. Again, please reinvestigate if the following accounts that are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} This account was already deleted from the other Credit Bureaus and XXXX Credit Bureau have no rights to continue reporting this account. According to FCRA, Credit Reporting must be accurate. I need XXXX to remove this account immediately. 
XXXX XXXX XXXX XXXX : {$0.00} Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
Consumer complaint received 2023-01-20
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. (MA)

I sent out a letter disputing incorrect information to XXXX and Experian on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from the credit bureaus.
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (TX)

On XX/XX/2022, I bought a washer/dryer set from XXXX XXXX XXXX in XXXX, Texas. Originally I was going to pay cash, but the store individual asked me to " apply for credit '' through their stores finance company ( American First Finance ). She handed me her lap top and instructed me to complete the application on line. I was approved for XXXX, the set that I selected off the showroom floor was a Grey Whirlpool front loader for XXXX. I had to put a deposit down and when I requested copies of the contract, receipt and paperwork... the printer was down. I was told that the fiance company would e-mail me a copy of the paperwork... ..Part of this purchase was a free delivery of the set and the removal of my old set to be used as a trade in ... .Upon delivery, the installer notified me that both units had problems... so I contacted the seller, XXXX, she scheduled to have another set delivered. Same thing, the washer tub fell out, the dryer would not work correctly... Once again, through text, telephone messages, I talked with XXXX. They was to send out " their repair technician ''. They never showed. I requested a replacement set. The third set was a top loader washing machine, standard dryer and no pedestals. This was not what I purchased. This happened two more times. The 4th set was a XXXX front loader set. Upon delivery, the installer noticed problems. XXXX scheduled to have " a repairman '' to come and fix it. 
It was not fixed. I contacted the Finance company and issued a complaint. In addition, I filed a complaint with the XXXX XXXX. At the same time, the finance company contacted me by e-mail to " pay off my note '' to avoid interest and finance charges. I talked with their offices multiple times and no resolution. I paid my note off. I finally received a copy of the contract and a payment history. It all pertained to the original washer and dryer that I purchased. Basically I paid for something that I did not have. 
To date, the company has not repaired either my washer or dryer. In XXXX, I received a letter from American First Finance informing me that they was going to resume deducting payments from my account due to it not being paid off. I immediately filed a complaint with the company, I even showed them and gave them the transactions information from the bank showing where they deducted it from my account. 
To date neither company has resolved my complaint.
Consumer complaint received 2022-10-04
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I spoke to a customer service agent on the phone before paying my balance off this credit card. The balance was settled and it's still showing on my credit report as a closed account. Customer service agent on the phone told me that it would not be reported as a closed account and affect my credit report or score. Well it clearly was reported as a closed account and is affecting my credit report! I should not be punished for paying the balance on this card and having it show as a closed account!
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

After receiving an email and a letter in the mail that stated that they werent able to grant my request to open a deposit account with them, I called the Bank in question. I told them I havent applied for anything and after researching it they told me that on XX/XX/22, someone had applied for a checking account using my information. I confirmed that this was not me and they said they will be turning it over to their fraud department and advised that I file the complaint here as well.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.