davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MO)

On XX/XX/XXXX XXXX received an email from my 3rd party credit monitoring service ( XXXX XXXX ). They informed me that my score had changed. I logged in and was shocked to discover that my credit score had dropped 37 points overnight. I was devastated. The previous night I had a Credit score of XXXX, the next morning XXXX. I had no credit related changes occur, and the only clue in the event was : FEDLOAN SERVICING Remark Removed From Account. 

I called the major credit bureaus ( XXXX, XXXX ) and corroborated this information. Was there was anything on their end that was the apparent cause? Everything looked good and there were no negative remarks, from each of the reps vantage point, they could see no cause which would justify the sudden drop. I initiated a dispute with XXXX  to further investigate a possible cause, which was fruitless. ( Please see attached Credit Reports ) I called FEDLOAN Servicing and it took me a few tries to reach someone who was aware of the issue, and wasnt willing to hang up on me. Alas! We discovered that around the XXXX of XXXX is when my account underwent some kind of change ( I was in general forbearance prior to change with good account standing ) I believe the change might have been relate to the student loan pandemic assistance special forbearance. I was reassured that they were aware of my type of case and that It should resolve itself For others, it has! I see similar cases on XXXX for example which sound really close to mine : https : XXXX Their issue did resolve on its own, and Im really happy for them. Im hoping I can be one of those people some day! 

I still dont really know what the true reason in my special case. 

Though, I do have a theory on why it may have not automatically resolved ( algorithmically ). Could it be that the proximity of my dispute with XXXX  might have put my account in a separate bin, and when the function ran, perhaps my account was passed over and the fix not applied? 

I am hoping this dispute adds some formality my struggle with this, and shines a light for others who may be experiencing this! 

I write this now on this XXXX day of XX/XX/2020. 

Thank You for Your Time!
Consumer complaint received 2022-11-09
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

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. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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: 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 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX - XXXX XXXX XXXX late payment {$0.00} Balance updated XX/XX/2021 This credit account does not belong to me
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I called Equifax and reported multiple inquiries I have not authorized. I advised Equifax that Ive already contacted every creditor that pulled my credit report without my permission and they instructed me to call them on every call. Equifax told me to file a complaint with consumer finance.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CO)

The credit utilization reported for this account has been historically incorrect and the company has been grossly negligent in their reporting. Utilization is and has always been incorrect, often stating a balance 5-10x the actual dollar amount. I have reached out to the company in multiple occasions requesting that they fix this issue, only to receive a response that it has been completed, while seeing my utilization increase. At this point in the ( and for the last 60 days ), I have held a {$0.00} balance. My credit reports are showing almost {$5000.00} ( and rising with each report update ).
Consumer complaint received 2020-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (OH)

I have a debt that I was unaware of due to the lack of communication from those who claim I owed a debt ; According to CRME Finance, I owe {$510.00} and this debt is supposedly a year old. I haven't received any billing information or anything regarding this debt. I called the hospital billing office and they have no recollection of this debt and state they have nothing in their system. They don't even have a record of me being there. I contact the CRME finance debt collection agency and spoke with someone named XXXX. While she gave me the account number, she would not provide the phone number or any information about the organization that stated that I owed the debt. When I asked why the hospital had no information about a visit, she stated that " once it hits a debt collection, they don't have a record of debt ''. This seems false, as the hospital should have billing information. As someone who is familiar with how outstanding collections work, it seems odd that the hospital has absolutely no record of me being there and no record of debt. When I called, The head of the hospitals had a copy of a bill all the way from XXXX and could verify the payment, but stated that there was nothing on their record from XX/XX/XXXX. Furthermore, the hospital should have information on what insurance paid, etc., if this was done. To not have any information regarding an outstanding bill as large as the one provided and just expect me to pay something that no one has information on is quite disturbing. If I were to pay this bill, how would I know that they would even remove this from my credit? They haven't been honest thus far, so it does not seem likely that they would.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am being denied the right to extend credit due to Capital One Auto Finance reporting late payments and a repossession for an account that I opened with XXXX XXXX XXXX. I had no dealings with Capital One Auto Finance, and we never signed any contracts. I am alleging that the XXXXXXXX XXXX XXXX  and Capital One Auto Finance worked together to deprive me of my rights concerning the RETAIL INSTALLMENT SALES CONTRACT. I never spoke with anyone from Capital One Auto Finance at the time of signing any documents meaning there wasn't a meeting of the minds with any of Capital One Auto Finance Agents, which could only mean Capital One Auto Finance and XXXX XXXX XXXX aided and abetted to deprive me of my rights. Capital One Auto Finance I allege that you were just either a servicer or a third-party debt collector and you violated my rights by not properly disclosing who you were and that you were absent for the meeting of the minds at the time of signing the contract. 

According to the CFPB a RETAIL INSTALLMENT SALES CONTRACT is not a loan. 
A loan is a transaction between you and a bank or other lender for money, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest. A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest. A dealer could sell the retail installment sales contract to a lender or other party.
Consumer complaint received 2022-11-09
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. (TX)

I have been trying to update my personal information because it has been given me problems with me logging in to other accounts with Government they been asking me about questions that does contains me which is causing them not to me able to verify me which has been cause delays with financial issues I need to update my address date of birth and job location I have a copy of social security card birth certificate and Driver license to prove my proof of claim of residence and date of birth and employment
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

Hello I did some exterior painting work for a supposedly investor turns out he was a scammer and got scammed XXXX $ of my own money through zelle. Deposited a check and did a transfer and the whole check was refunded and lost the XXXX $ as well didnt think anything of it was all from some work I did. Deposited the check last tuesday XX/XX/2022 and today XX/XX/2022 the money was taken out of my checking account.
Consumer complaint received 2020-10-01
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. (FL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2022-11-09
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. (CA)

In accordance with the fair credit reporting act XXXXt this account 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 Determination of finance charge 15 U.S.C. 1681s-2 ] Responsibilities of furnishers of information to consumer reporting agencies During Late 2021 early 2022 Ive sent off a goodwill letters advised by my lawyer, spoke with management during Covid 19 times is when mostly everything accrued tried to set up arrangements. Ive gotten no compassion no nothing but them violating my rights.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

I keep receiving calls from Toyota financial about my XXXX payment for a 2021 XXXX XXXX. I have talked to customer service numerous times. And told them I traded the truck for a new XXXX XXXX. I told customer service I am not the owner of the truck anymore. They have received the check from the dealership from where I traded the truck into for the correct payoff amount. Toyota is refusing to cash that check because they say they need the odometer statement from the dealership that I traded my truck into. I have told them multiple times to call the dealership on themselves and take care of this problem because it is not my problem it is theres they have told me that they have. And have gotten no answer from the dealership. I have tried myself, and I do not know if the dealership has responded at this time. Toyota financial is still holding me responsible for payment for a truck that is sold and they have a check for this problem needs to be taken care of immediately and thats what these complaint about.
Consumer complaint received 2022-11-09
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2022-11-09
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. (GA)

Greetings in reviewing my credit file I noticed three auto financing companies that I did not give permission to pull my credit. ( see below companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian credit bureau on XX/XX/2022 ( fraud dept ) was informed to contact the finance company directly. Upon contacting XXXX XXXX XXXX, I was informed they are unable to help me with the dispute since I am not their customer. In addition, I was told dealerships will sometimes fish the application for financing to multiple companies. I do not see this as fair, if I did not give each of the above companies direct authorization for a hard inquirer. 

To make things equitable in these scenarios with car dealerships, can the CFPB require an additional form to be signed by consumer giving authorization to conduct this practice. 

Can the above inquirers be deleted from my credit file it is extremely affecting my credit score? 

I greatly appreciate your assistance with this matter. 

XXXX XXXX XXXX-