davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (MO)

I seen an ad on XXXX with XXXX XXXX XXXX with a handful of cash and stated {$10000.00}. a month trading XXXX  and clicked the learn more tab. It then took me to XXXX  where I was greeted from a teacher XXXX XXXX. She showed me step by step how to trade cash from my bank Regions into XXXX  on XXXX. Then the XXXX  was sent to an exchange XXXX to buy and sell XXXX. It seemed I was profiting but I was being scammed by the XXXX, XXXX, and a refund service that was paid to retrieve my funds but also was a scam. I've lost {$10000.00}. and need help to get my money back.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MO)

I have student loans through Sloan Servicing from Nelnet and they are reporting that my student loans were delinquent and closed and reopened through a fresh start program. This is causing there to be several late payments being reported on my credit report bringing down my score and affecting my ability to obtain a home mortgage at this time. I have contacted Nelnet at they refuse to correct the information stating that " no adjustment is needed ''. However Nelnet has been sued for inaccurately reporting information and failing to contact borrowers about repayment options. I never received any communications from Nelnet about my student loans being delinquent and have other student loans ( through other servicers ) that were deferred, in forbearance or in an IDR ( income driven repayment plan ). I believe Nelnet has failed to properly communicate with the borrower as I received communication from my other loan servicers in a deliberate attempt to negatively affect borrowers ability to obtain future loans.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Both reporting agencies have been made aware that my identity have been compromised years in advance to these collection agencies reporting inaccurate or fraudulent accounts generated in my name. I have been disputing these accounts such as XXXX XXXX XXXX which is being sold from debt collector to debt collector. I have made the reporting agencies aware of these fraudulent accounts by disputing each and everyone of these accounts through XXXX XXXX however the reporting agencies are continuing to report these accounts case in point original XXXX XXXX XXXX XXXX continuing to sell off an account that was not created by myself. This is not only affecting my credit score in its entirity but its affecting my lively hood and my ability to operate efficiently in the present econmy. This is emostional damaging me. Reporting agencies are extreamly difficult to contact via telephone due to the current pandemic please help me to resolve this matter by having the Reporting agencies immediately remove the following fraudulent accounts which are as follow, XXXX XXXXy balance showing {$1300.00}, XXXX XXXX XXXX which is showing a balance of XXXX, XXXX XXXX XXXX which is showing a balance of XXXX and this recent account which is another collection agency trying to collect for an account from XXXX XXXX XXXX which is not an account that was opened by myself. I also would appreciate if the Bureau would encourage the reporting agencies to do extensive investigating before reporting any accounts on my credit profile which may not be accurate due to fraudulent dealings thank you.
Consumer complaint received 2021-01-09
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)

I have submitted numerous complaints regarding the same accounts. I have provided the evidence that they have to remove the accounts. TransUnion in particular has opened the accounts back up which is 100 % ILLEGAL. They had the accounts as closed and charged off. Some accounts have other debit collectors with the same accounts as closed. How can you let them get away with this?

TransUnion has the items on my report but the other bureaus have removed the accounts because they found in the investigation to not have the information to verify the items. How can they remove them but TransUnion still have them as verified? Now TransUnion has opened closed accounts up and my score has dropped 90 points because of this. How can you open a closed charged off account? How can you have a debit for 3 different company 's on the same account? They have repeatedly posted inaccurate information on my report and at this point I think they should be fined.. I will provide the proof once again in the attachment.

1. The disputes letters 2. The removal of the accounts from the other bureaus ... 

Please remove the items and send me the confirmation letter. If not a law suit will follow. This is my last attempt to fix this situation. Its been almost 5 months since I notified you on the matter..
Consumer complaint received 2021-01-10
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 (PA)

I have had an issue with XXXX grocery home delivery charging {$12.00} monthly to my Discover a card, for a service Id never signed up for nor currently use. I did a trial offer for this service ( 30 days free ) about 9 mos ago. Tried the service for free, due to covid restrictions with going out in public at that time, Did not like the service. Cancelled. I still am being charged this {$12.00} monthly fee. Id contacted XXXX twice. Supposedly can not see my being signed up this grocery home delivery service on their end. Doubting this. Contacted Discover Card twice to dispute and stop this recurring monthly {$12.00} charge. Also for my receiving monthly credits for any prior charges I had not authorized. Was assured they would address this on their end. Yet I still am being charged by XXXX. Have a pending XXXX home grocery delivery {$12.00} charge today.
Consumer complaint received 2021-01-09
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. (NC)

Dear CFPB, I have filed numerous disputes with XXXX, Equifax, and XXXX  starting in XX/XX/2020 about information that is reflected on my credit report showing my closed account with XXXX XXXX as 90 days delinquent which is false information that has hurt my credit report dearly as result. This information was disputed because my account with XXXX XXXX was closed in XX/XX/2020 and the balance was sold to XXXX XXXX XXXX on XX/XX/2020, and yet in spite of this XXXX XXXX has been reporting late payments to date which has caused a closed account to go into delinquent status which is nonsensical. Per Fair Credit Reporting Laws, the creditor which has closed my account and no longer owns the debt can not report to my credit bureaus my account being in delinquent status. XXXX, Equifax, and XXXX  has not acknowledged this and has continued to allow XXXX to hurt my credit.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-01-09
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. (NC)

Dear CFPB, I have filed numerous disputes with Experian, XXXX, and XXXX starting in XX/XX/2020 about information that is reflected on my credit report showing my closed account with XXXX XXXX as 90 days delinquent which is false information that has hurt my credit report dearly as result. This information was disputed because my account with XXXX XXXX was closed in XX/XX/2020 and the balance was sold to XXXX XXXX XXXX on XX/XX/2020, and yet in spite of this XXXX XXXX has been reporting late payments to date which has caused a closed account to go into delinquent status which is nonsensical. Per Fair Credit Reporting Laws, the creditor which has closed my account and no longer owns the debt can not report to my credit bureaus my account being in delinquent status. Experian, XXXX, and XXXX has not acknowledged this and has continued to allow XXXX to hurt my credit.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

In XXXX of XXXX, I became a victim of fraud. The fraud affected XXXX credit accounts, for which I filed a XXXX complaint with the FTC immediately, filed a police report, and by federal laws and regulations, all negatively impacted creditors as a result of the fraud immediately removed any negative accounts from all bureaus. XXXX of the bureaus, XXXX and XXXX removed Discover under lawful directives, however for over XXXX years, Discover, through XXXX, has repeatedly denied my request to remove this negative, fraudulent account from my XXXX credit report. Even though it has caused me great harm, even with Discover being fully aware of my immediate reporting of the fraud, filing a formal complaint with the FTC, and filing a police report, ( none of which is required ), Discover has independently chosen to refuse adherence to federally mandated laws and regulations, chosen to punish me for the last XXXX years, all while XXXX other major competitors acted immediately under laws relating to negative account reporting under claim of fraud. As further proof, account number XXXX on my XXXX report lists my credit limit at {$1500.00} but the amount owed at {$3700.00}, and not from interest as Discover closed the account in XX/XX/XXXX. I state now in this complaint, as I did in XXXX, that I was a victim of fraud on multiple accounts. I filed a fraud and identity theft report with the FTC immediately, and a police report immediately ; The only creditor who refused to act lawfully was, and still is, Discover through XXXX account number XXXX and done so intentionally, and in knowledge of the harm caused to me.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-01-09
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. (AL)

XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when Experian list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.
Consumer complaint received 2023-05-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian Credit Bureau continues to " Block on line access '' after changing passwords " twice '' Experian has " changed phone numbers to an old no service " number. Account updates were in XX/XX/XXXX and again today XX/XX/XXXX Experian still continues to input " old phones '' as contacts, therefore " Blocking on-line access. 
Furthermore Experian Credit Bureau continues to " OVERRIDE the system '' to " LOWER FICO SCORE by as much as 20-30 points different then the other major credit bureaus and making changes to my account personal information, contact information and email address.
Consumer complaint received 2023-05-26
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that 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  Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX  Balance Owed : {$630.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00} 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (OH)

I received a inquiry on my credit report from XXXXAlthough it was removed I later received a letter saying the inquiry on my credit report was accurate.The name, email address, address, phone number and social were all different from mine.The name is different but only by one letter from my previous last name that I no longer use.The email is different by XXXX letters but I am receiving statements for a credit card I don't have.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my written request to delete the fraudulent hard inquiries. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the loans. 

The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Your immediate attention in this difficult situation will be appreciated.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (IA)

In XXXX, XXXX, and XXXX I used the " Amazon Prime Store Card '' associated with Synchrony Bank ( acct. number XXXX XXXX xxxx xxxx ) to pay for my Amazon purchases and obtain a " reward '' of 5 % return of purchase amounts. When I stopped using the card, I had {$470.00} in rewards left in the account. Approximately 3 months ago, I received a form in the mail asking me to make a choice from several statements regarding that account. I selected the appropriate one ( I have not received a check nor cashed a check for the balance ), mailed the form in the envelope supplied, and waited for something to happen. Since nothing happed, I checked the balance in the account and now it was XXXX So I checked with Synchrony bank and was told they hadn't sent the form and that it must have been from Amazon. So, I contacted Amazon and was told that they could be of no help, since Synchrony Bank and not they managed the accounts.
Consumer complaint received 2022-10-16
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. (FL)

I signed up for a payday loan a few months ago and when I just checked my credit report I saw a number of inquiries from different lenders running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION (NY)

Between the dates of XX/XX/XXXX-XX/XX/XXXX someone used my business debit card to purchase $ XXXX {$7000.00} worth of high cost items. 38 charges for random products such as shoes, batteries, child face shields, dog boots and more. My account was taken down to only {$900.00} left in the account. I only realize what was going on when I started receiving these packages. Not once did the bank call me or freeze the account. They just watched someone continue to run charge after charge all day long mainly on XX/XX/21. Charges were not small items. Charges were XXXX, XXXX and more. I want this incompetence looked into. I am just a small middle class mom of 2 trying to run my own candle business. Im appalled at the lack of action of M & T bank. It took me months to grow the amount in that account by working 16 hours a day for the pay several months, just to have someone drain it in 48 hrs. I have contacted the police and filed a police report and I have also contacted the FBI. Whoever did this is having all of these packages ( 38 of them ) delivered to my home. It has been advised to watch my home as we are not sure if someone is watching my house to collect these packages if they can. I cant even begin to explain the emotional stress this has caused let alone the bank is only giving me back at this time 13 of the 38 charges. I am looking into further legal action against this bank as well.
Consumer complaint received 2021-01-08
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)

Transunion has repeatedly refused to delete the fraudulent address of XXXX XXXX XXXX XXXX. They have also repeatedly failed to respond to my certified USPS mail request to disclose their method of verification process as required by the FCRA. As such, the fraudulent account should have been permanently deleted from my credit file as it is negatively impacting my credit worthiness. 

PLEASE DELETE NOW!!!!