davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (TN)

Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus trans union, XXXX, and XXXX and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report.

3. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.

4. Validate Account XXXX  Account Number : Please remove it from my credit report.

5. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.
Consumer complaint received 2022-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

on XXXX XX/XX/2022 around XXXX XXXX, I received an email from captialone stated that " Thanks for applying for a Quicksilver credit card '' and they need me to upload copies of some documentation to continue the process. I did not apply for any credit card, I also received an emails from XXXX, XXXX XXXX, XXXX as well as XXXX XXXX all stated that my credit report has been changed due to a new hard inquiry on my credit report, which I am not aware off. Please be advised that in the past I was a victim of identity fraud and all been reported to the three bureaus.
Consumer complaint received 2020-02-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (AR)

PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND XXXX XXXX  XXXX XXXX, CO XXXX XXXX Has stated i have Federal student loans which i did not, i anything the companies they are even stating are federally loans were private entities and they have reported these loans as federal to the department of education which is fraud against me. The loans they are stating originated in 2009 and clearly would be past the statute of limitations on private loans for ANY LOAN. They also state there was a hearing held which i was involved in which is false. I was not granted a hearing they also state they are garnishing my wages. If the federal goverment has no jurisdiction over private loans then how is this possible they are sending me letters from the department of educations enforcing juridiction?
Consumer complaint received 2020-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX my car loan from Capital One was paid off but yet they continue to try to collect on a paid account which also closed. The account was originally opened in XXXX. The account was settled in XXXX. My credit report was updated then around 3 years ago it was reported. The vehicle was paid off, the vehicle was been sold and leased to someone else. The vehicle or any debt related to it is not responsibility. They are reporting on my credit as if my payments are late each month as of XXXX. Capital one has been maliciously doing this for years.
Consumer complaint received 2023-04-09
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. (NY)

This is my 5th time contacting Experian and XXXX about violating my consumer rights and reporting late payments on my consumer report in XX/XX/XXXX  for account XXXX XXXX XXXX XXXX 

This is now beginning to affect my livelihood and chances of buying a home. 

Because this is my fifth attempt and I have proof of me contacting both XXXX and Experian I will seek legal action if the late payment for XX/XX/ is not removed
Consumer complaint received 2022-05-30
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: MOHELA (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (GA)

This is an attempt to collect a debt that I don't owe. I was only XXXX and did not apply for this credit. Please have this account removed from my credit report. 

Thank you.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I am writing in reference to Experian. Experian is in violation of 15 USC 1681i ( 2 ) ( A ). I have sent in documents and in return Experian told me that I am a credit person. I AM NOT A CREDIT REPAIR PERSON. I am a person that has done a lot of research on line. that's all.
Consumer complaint received 2022-04-15
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. (NC)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (NY)

In accordance with the Fair Crediting Act XXXX  Account NameXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD 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 an account without my written instructions.
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc. (CA)

On XX/XX/2022 I took my son to the emergency room. XXXX XXXX 's XXXX is charging me an extra {$180.00} for an unknown reason. I've already called XXXX and they said my son is fully covered, when I've called XXXX directly I'm told that XXXX will also cover it. So I'm confused why it's been pushed to a debt collector.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (AL)

Experian failed to update my bankruptcy case status accurately. My XXXX XXXX bankruptcy plan was paid in full and closed without discharge. A case closed without discharge is not dismissed, and it is not discharged. It can happen in several ordinary circumstances. My XXXX XXXX XXXXankruptcy was filed closely after I received a XXXX XXXX discharge will not be discharged. Experian has my bankruptcy status shown as dismissed which is inaccurate and causes a negative impact to me as a consumer because creditors assume the plan was not paid in full. In my case there is no debt owed that my past creditors can come after me to collect.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (NY)

Focus XXXX XXXX opened an XXXX XXXX Account XXXX XXXX XXXX about 6 months ago. They claim that I owe them {$230.00} dollars when I dont have XXXX XXXX cable. I lost my wallet the previous year and I believe that it might just be identity fraud.
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

MY PAYROLL CHECK IS GARNISHED BY PIONEER RECOVERY AND HAVE BEEN SINCE XX/XX/XXXX. I DID NOT RECEIVE MY IRS REFUNDS AND WHEN I SPOKE WITH XXXX XXXX XXXX FORMED ME THAT DUE TO THEY WERE GARNISHING ME THEY HAD ASCENDIUM TO GARNISH MY TAXES AND ACENDIUM ALSO HAS THE SME COLLECTION AT THE IRS AS PIONEER RECOVERY HAS AT MY JOB FOR GARNISHMENT. I HAVE DOCUMENTATION FROM THE THE STUDENT LOAN WHO GAVE THE LOAN TO PIONEER AND DATES AND
Consumer complaint received 2022-06-04
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: Radius Global Solutions LLC (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (OH)

My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OHIO XXXX I have an account that is showing me XXXX days late and at the time my income was affected by the Pandemic shut down. I am aware that they were allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my WESTLAKE PORTFOLIO MGMT/1XXXX are showing late pays I have since paid my account and it is fully current and I would like my account to reflect the current status to help protect the integrity of my credit profile. The late payments were reported in XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-04
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: ERC (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-04
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)

Provided the FTC report to the reporting agencies and they have not rectified the issue. Unauthorized inquires listed below need to be removed immediately : XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance, personal XX/XX/XXXX TransUnion XXXX Department, variety , local, regional, and national chains XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion
Consumer complaint received 2020-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

Pioneer credit began garnishing 25 % of each paycheck. There was no notice or any documents. Every phone number I have goes to a pre-recorded msg. Supposedly I owe XXXX. Years ago they contacted my step mother saying I used her identity in a bank fraud. I had to contact the Ohio ag when they began calling my elderly neighbor. This is after the IRS took every refund from 2004 to this day. Help!
Consumer complaint received 2022-06-04
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. (LA)

A debt collector fraudulently used my personal information to attempt to collect a debt that is reporting inaccurate on my credit report. I believe the law according the FCRA 15 USC1692K applies in this situation 1. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Data Corporation (TN)

XXXX or Telecheck has a file that contains incorrect information on me and It has rendered my life useless at times. Im so tired of this. I cant open a bank account. I have done everything imaginable to resolve it and they refuse to correct my file. They decline my accounts. They decline my checks. They are the most heartless unethical company known to man.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, XXXX and EXPERIAN are reporting inaccurate late payments for the XXXX XXXX XXXX  account. This includes a 30 day late payment notice posted By XXXX in XX/XX/, a 60 day late payment for XX/XX/XXXX  posted by XXXX and and XXXX as well as a 60 day late payment for XX/XX/ by EXPERIAN. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, XXXX and EXPERIAN violating my federally protected consumer rights. To add to this I did not give XXXX, XXXX and EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, XXXX and EXPERIAN has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2018-10-04
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: General Motors Financial Company, Inc. (TX)

These inquires were just posted to my credit report. I contacted GM Financial for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX  XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks