davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (IL)

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a 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 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX  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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX XXXX XXXX help me please Im XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (NC)

Santander USA, I have sent in several different complaints about the same thing with theses people, Im am asking that this matter be investigated and resolved immediately and remove from my credit report, they are still reporting that I owe money to them for a account that I won a lawsuit against that they paid me and a judgment against them to remove it from our credit report! Can someone please help me resolve this matter for once and for all!
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these 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 XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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. (CA)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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. (TX)

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX
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. (FL)

My name is XXXX 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (CO)

I frequently apply for loans from multiple loan departments. I have paid off multiple loans. This specific loan that I applied for has been troubling for a long time. I have made several payments towards the pay off only to have the amount due not change for several months. They told me that I need to pay more each due date to see the amount due drop. It has not happened since then. I've taken several screen shots over the months to obtain proof that all my payments have not been paying off the loan. I feel like they're a fraudulent site and have been taking my money for a long time now.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP (NY)

I was contacted via mail by XXXX XXXX XXXX/Mandarich Law Group attempting to sue me for a debt ( {$9600.00} ) that is past the collection statute of limitations for New York ( N.Y. Civ . Prac. L. & R. 214-i ). In the letter I was threatened with wage garnishment and a hit on my credit score. Since the debt is time-barred, the FDCPA prohibits a debt collector from threatening to file a lawsuit, or threatening to take action that would require them to win a lawsuit, such as wage garnishment or bank levy. XXXX XXXX XXXX Mandarich Law Group are acting in clear violation of the FDCPA. 

The stamp on the court summons has the date XXXX XXXX, XXXX ', I'm confused on why it is dated XXXX, when we are in the year XXXX. The credit card account that I'm being sued for was opened XX/XX/XXXX. According to N.Y. Civ. Prac. L. & R. 214-i, this is well past the statute of limitations to collect on said debt.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (MI)

I have 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have XXXX fraudulent addresses I wont removed XXXX XXXX XXXX - XXXX XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, MI XXXX * XXXX XXXX XXXX  XXXX XXXX, MI XXXX
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

Made complaint several times about Bankruptcy and incorrect addresses but still remains. Contacted XXXX XXXX court, attached letter. They did not validate information. Also incorrect address, never lived at XXXX XXXX XXXX XXXX XXXX Maryland. Experian never or other party never investigated or validated information. See attached letter from Court.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I received a letter from XXXX XXXX Bank XXXX XXXX XXXX On XXXX XXXX, 2016. In that letter they stated that they were going to contact Experian and have my disputed Inquire deleted from my Credit Report. I viewed my Experian Credit Report and unfortunately the XXXX XXXX Bank and XXXX Inquire is still reelecting the hard inquire. 
Furthermore, I have contacted Experian on numerous occasions and they have failed to update my accurate with my correct contact information. It is still reflecting my old telephone number. The phone number that needs to reflect on my Experian Credit Report needs to be XXXX.
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I created a Gemini.com account in order to aquire XXXX on XX/XX/XXXX. I then transferred funds to my account on XX/XX/XXXX ( {$1000.00} ), XX/XX/XXXX ( {$1000.00} ) and XX/XX/XXXX ( {$48000.00} ). 

On XX/XX/XXXX, I purchased XXXX XXXX. 
On XX/XX/XXXX, I purchased XXXX XXXX. 
XXXX XXXX purchased is XXXX XXXX. 

I have now waited over a month and have went through all verification requests required by Gemini but I still cant not send my XXXX from thier exhange to my hardware wallet. I have been in contact with customer service multiple times but nothing has changed. Gemini still will not let my XXXX be moved off thier exchange.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

account number XXXX XXXX XXXX XXXX XXXX and XXXX dollar deposit at fifththird bank stolen crypto currency I was promised {$5800.00} a day. 
XXXX XXXX XXXX Tennessee
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

A fraudulent account was opened on XX/XX/, by someone fraudulently using my personal information. When I discovered the identity fraud I contacted Capital One in writing to inform Capital One of the issue. Capital One refused to accept my claim of identity fraud even though I provided proof of identity fraud. Capital One, at a later date, sent me a class action settlement check for {$650.00} because they allowed my personal information to be released in a hack of Capital One. They released my information and then refused to accept my claim of identity fraud.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am the owner of a XXXX XXXX in the state of Georgia. I am in dire need of refinancing to be able to keep my business alive. Upon checking my credit report I saw that there are late payments on some credit cards on my profile. These late payments are not accurate as I have not been late. I have managed my credit for well over XXXX years and I am hurt to see that these late payments have been so detrimental to my credit score. 

I ask that you please enforce the bureaus to do a through check of the information that so that these late payments can be updated as accurate. This is a billing error and a violation of US 15 1666B. XXXX XXXX continues to report closed collections on my profile as well. These should not be there and I demand that they are removed immediately. 

I will be attaching my dispute letters and my information to identify that it is me who is requesting this.
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. (CA)

This is not a duplicate nor is this complaint 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 dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. In my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I've talked to the furnisher and they've agreed to CORRECT the account BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. They have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why won't accept the dispute letters and complaints. Transunion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA laws so please correct and update this account : XXXX XXXX XXXX
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I received a notice in the mail that my Chase credit limit was being reduced from {$15000.00} to {$11000.00}. 

I called the customer service department and complained about this and they transferred me to the credit underwriting department. I spoke to a account representative and supervisor. I explained to them that I have been a loyal customer for over 20 years.The letter said that my account was being changed because I had been delinquent on a chase card which is false. It said that I had flied bankruptcy which is false. 

Finally, I wrote a letter to the executive offices and complained about this and they did not help me either. In fact, I asked to speak to a manager named XXXX and she refused to speak with me! I feel as though Chase makes their own rules and laws! They lie and cheat consumers and they need to be held accountable! 

I feel like that they are profiling me because I am a senior citizen and I am XXXX!
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act Convergent Account # 120156, 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 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a letdown! My pleas to have the challenged fake accounts and information removed from my credit file have been ignored by the credit reporting agencies. According to Fair Credit Reporting Act section 605b, the credit reporting agencies must verify and remove the disputed accounts and information that were opened as a result of identity theft. I personally contacted the Data Furnishers to ask about the disputed accounts and information, and they responded by demonstrating that they were inaccurate in some way. Yet you are claiming that the disputed items are legitimate and verified! This behavior clearly violates Section 605b of the Fair Credit Reporting Act and is illegal. Before I have to resort to legal action, I am submitting this CFPB Complaint to request that you abide by the law and remove the disputed accounts and information from my credit file. I once again request that the following entries be deleted as quickly as possible from my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. 

The Credit Bureaus asserted that the disputed accounts and information are mine and have been validated, but they have not sent me copies of any documents with my signature on them or any proof of verification. The challenged accounts and information were inaccurate, which was confirmed by the Data Furnishers themselves. I require the immediate deletion of any contested accounts and data from my credit file.
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NV)

Im not able to reach the Mohela regarding the Public Service Loan Forgiveness program. Im only getting a busy signal or message saying the call can not be taken due to high call volume. The online PSLF form status does not show a record of my application.
Consumer complaint received 2023-02-04
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX Balance : {$8700.00}
Consumer complaint received 2023-02-04
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. (MD)

I have violated my rights as a consumer regarding an open-end credit plan that is reporting late, this is unfair and very deceptive according to 15 USC 1666 ( b ).
Consumer complaint received 2021-11-19
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: RS Clark and Associates, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on RS CLARK & ASSOCIATES. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.