davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is among several complaints I've filed as a victim of identity theft. I'm disputing specific accounts in my file that stem from this crime. The account in question has no association with any transactions for goods, services, or money that I've authorized or made. It's entirely unfamiliar to me. Additionally, some information provided on certain accounts has been removed from other bureaus, raising doubts about its accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
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. (LA)

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 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 2020-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (IN)

I was sick in the Winter of XXXX and then got XXXX at the beginning of this year. Due to those hospitalizations, I did not receive a lot of mail on time. One of those mailings was from XXXX who turned it over to be collected by Southwest Credit Systems a.k.a. Southwest Credit Group. When I got well, I tried to call XXXX and they informed me they had already turned it over. I then immediately called SWC Group and paid the bill. I then asked politely for it to be removed from my credit so that I didn't have to suffer a bad ding on my credit for the next 7 years ( SWC Group had only put it on my credit in the middle of XX/XX/XXXX ) and I was told that they don't remove but would mark it paid. This is not acceptable. It was only on my credit for 2 months and I didn't have a chance to dispute it, validate it, or pay it prior to it being put on my credit, because I didn't get the notice in the mail. 

I then wrote a nice and professional letter to the CEO of SWC Group, XXXX XXXX, asking him in good faith to please remove this from my account, but I never got a response. 

I am a Veteran, who served this country in the XXXX XXXX and can not even get my VA loan to purchase a home due to this issue and I do not believe it is right. I can understand if I let it sit on my credit for years and ignored it, but I took care of it right away and expect them to be understanding.
Consumer complaint received 2020-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding, LLC is reporting a collection account on my credit report that does not belong to me. I don't recognize the reported account. This is a request for the collection to be deleted from XXXX, XXXX, & XXXX. 

I asked the company to validate with a contract and proof of signature. This document doesn't exist, they never provided it because the account isn't mine. I have never had a card with XXXX nor a mastercard with XXXX.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TN)

they contacted me XX/XX/2020 through email saying i owed my previous landlord an unpaid amount of XXXX it went on to say that i owed unpaid rent of XXXX or so as well as a late fee pf XXXX or so and a clean up fee for my wife smoking in the apartment of XXXX dollars. I then told them that I did not owe him anything, they replied by saying that they asked him for verification of the debt they then sent me an encrypted message containing my old lease agreement. I thanked them for the information but asked why do you think that I owe my landlord money there response was to report it as a debt on my credit report.
Consumer complaint received 2020-06-13
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. (TX)

XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Hello, One month ago ( XX/XX/2020 ) I purchased an android app of XXXX called XXXX. I paid {$600.00} for the app because the seller XXXX XXXX had financial proof on the XXXX listing that the app generated a net profit of XXXX XXXX/month over the course of the last 5 months. He also stated in his listing that he would share his marketing strategy he used to generate that kind of income. 
I went ahead and completed the purchase. He transferred the app to me along with his marketing strategy. I followed his strategy exactly as stated. It turns out that his income claims were all lies. It was a big fraud. He misrepresented on his XXXX listing. The app does not make any money! It made less than {$3.00} in one month following his strategy. I would have never paid {$600.00} for an app that makes less than {$3.00} per month! I tried contacting him several times regarding the income claims and he no longer replies because he knows he scammed me. 
I did further research and found out that many people who have purchased websites and apps on XXXX have been scammed also just like me but XXXX does not seem to care nor do anything about it. 

I then went ahead and filed a fraud dispute on Paypal which I used to pay for the app. The dispute was filed on XX/XX/XXXX. Paypal then denied my claim stating that the item received was as described even though i sent them the fraudulent revenue claims provided by the seller. I also contact XXXX who has not responded to my claim. 

i would like to get a full or partial refund for the purchase. This was clearly fraud.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX, Equifax and XXXX emblem XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from XXXX XXXX.
Consumer complaint received 2023-01-06
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: Self Financial Inc. (GA)

After checking my credit report, I noticed that there acre accounts showing negatively on my report that are paid and should be in a positive standing. I have disputed this since XX/XX/XXXX and the company has not removed it as well as another account, that I have been disputing since XX/XX/XXXX, with the same company that has been paid but reporting closed and negatively affecting my credit report. I have asked for the late payments to be removed because the account was brought back current and remained that way for the duration on the account.
Consumer complaint received 2023-01-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I just receive a collect for any place Ive never lived in, I dont understand why a collection of XXXX $ on my account this is hurting me and my scoring so bad Ive been trying to fix my credit and Ive just been running into to weird problems.
Consumer complaint received 2020-06-13
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. (TX)

XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Experian lost lot of my credit data/account information/payment history, which cause my credit score very low. On comparison of three credit bureaus, I have XXXX open accounts on XXXX  and XXXX, but they are not shown on Experian report. In 2016, my credit report of Experian is normal, it had highest score among three credit bureaus. I called my banks, XXXX XXXX, XXXX XXXX ..., they said they send payment information to all three credit bureaus, including Experian every month. But my current account information are not shown on Experian credit report.
Consumer complaint received 2020-06-13
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The currently reported XXXX XXXX  with account number displayed on my Trans Union report, shown as XXXX. the information I not REPORTED on XXXX in this reported claim on my XXXX report, and alleged as on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a foibleness from the mandatorily utilized reporting industrys own Metro 2 Data- filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements XXXX With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (OR)

Starting in XX/XX/2020, I began to repair my credit by paying off old and bad debt. I noticed my Experian score is 30-40 points lower than XXXX   or XXXX. Recently, and on a daily basis, I have seen ads run on TV and online for Experian Boost. They want you to register with them with personal information such as bank accounts and how you pay your bills to boost your credit score. They offer it for free but also have a paid version. If you sign up for their service and pay them a fee it looks like they will raise your score even more. I have tried to do this with the free version but they do not list the credit union I use to pay my bills from. I tried to call Experian but never get through an automated number and it eventually terminates the call. You can't talk to a live person! I posted this on their XXXX site and they sent me a private message asking how they can help. They wanted me to send them my personal information including my credit union information over XXXX XXXX. Not gon na happen! Not with ID theft as bad as it is. I asked is there a number I can call and they said there isn't but here is an email address and they gave it to me. So my problem is they seem to be holding everyone 's ( including mine ) credit score hostage at a low  score until you either pay them or sign up for their service. How can they legally do this? In the mean time my XXXX and XXXX score are getting much much better but Experian is staying really low messing up my credit further. This is not right!!! This is going to keep me from getting financed for further credit later on. Please do something about this because they seem to be holding a ton of people hostage. Just look at their XXXX page and read the comments. If scores can be raised this easily why not just do it anyway without having to use their service?? It's bad and this seems like blackmail or keeping your score low and held for ransom until you pay them. It's a money making scam on their part. ( P.S. I am including screen shots of the conversation with Experian saved in my XXXX XXXX. Here is prove to what they said. )
Consumer complaint received 2020-06-14
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. (IL)

I have previously submitted a dispute to remove the XXXX XXXX account from my Experian credit report. This account does not belong to me. I requested verification from Experian that was used to determine this account belongs to me. I have not received any information from Experian and this inaccurate information remains on my credit report. I would like Experian to provide me with the verification that was used to determine this account belongs to me and then remove the account from my credit report. Please assist me in getting this information updated and removed from my Experian credit report as they refuse to conduct the proper investigation that has been requested.
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp. (VA)

CFPB Complaint Number : XXXX This complaint is to World of Omni Toyota leasing my XXXX XXXX XXXX. 
Last year I claimed bankruptcy attended court on XX/XX/XXXX in XXXX XXXX XXXX Florida. The court discharged on XX/XX/XXXX. 
Per my attorney XXXX XXXX XXXX in XXXX XXXX Florida, they stated all credit cards which that was suppose to be the only thing I was discharging NOT my mortgage or car payment. However he stated all had to be included and monitored and after I will resume back my mortgage and car lease on my credit history. I have to state I never missed or was late paying my lease. 

After my discharge I noticed on XXXX XXXX which I get monthly to see how my credit score was. I checked in XXXX, XXXX. It was around XXXX or so and it looked as if my credit was going up a few points each month. However when I checked again XX/XX/XXXX my score dropped 60 points. I was confused and I called Toyota immediately and explained why did my score go down when I pay each month on time. They could not help me to answer the question. I later on looked at the XXXX XXXX and notice in RED that the amount of my lease was {$7200.00} appearing as it was put on my credit history as a loan and not INSTALLMENTS. 

I called Toyota several times to explain it was incorrectly submitted wrong and it made my credit utilization go up in which it caused my credit score to drop drastically. No matter what I said they were not able to help me or understand, maybe because I did understand why myself how to explain. 

I called again this year XXXX in XXXX XXXX to Toyota. After speaking to a friend that make it clear to state it was suppose to be installments not credit on my credit report. Toyota still were unable to help this situation to be fixed. 



Per my past history of years before my bankruptcy my credit report was good for many years however I was unable to continue due to sickness I had no choice to write off my credit cards have always paid on time on all my credit cards At this present time I do not have the exact dates that I called Toyota but I know they will remember this because I did call at least 5 times and I sounded familiar to them with this situation. If I need to get the dates of the actual calls I will have to go into the history of my XXXX cellphone and track the dates which is time consuming but if needed I will attempt to do so. 
Thank you very much on assistance to this matter. 
XXXX XXXX
Consumer complaint received 2020-04-14
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. (MD)

EQUIFAX I HAVE HAD NUMEROUS PROBLEMS WITH EQUIFAX STARTING FROM SOMEONE PURPOSELY CHANGING THE MONTH OF MY BIRTHDATE ILLEGALLY AND REFUSING TO CHANGE IT BACK EVEN WHEN I SENT THE REQUIRED DOCUMENTATION BY EQUIFAX SEVERAL TIMES AND FINALLY HAVING TO RESORT TO ENLISTING THE AID OF THE CFPB AND NOW, THEY ARE INTERRUPTING MY LIFE PROGRESS BY GIVING INCORRECT ADVERSE INFORMATION WHENEVER I APPLY FOR CREDIT. FIRST OF ALL I HAVE APPLIED TO SEVERAL MORTGAGE COMPANIES IN A CLOSE TIME FRAME. THAT SHOULD NOT BE REPORTED AS NEGATIVE. IN APPLYING FOR CREDIT AT CERTAIN VENUES, XXXX HAS REPORTED THAT I HAVE DELINQUENCIES AND EXCESSIVE RECENT INQURIES. I HAVE BEEN TURNED DOWN FOR MINOR CREDIT FOR AS LITTLE AS XXXX FOR A CRUISE. I HAVE A XXXX SCORE WITH EQUIFAX XXXX XXXX WITH EXPERIAN AND XXXX WITH TRANSUNION I RECENTLY APPLIED FOR XXXX CREDIT FROM XXXX XXXX XXXX XXXX FOR A CAR LOAN WITH NO PROBLEM XX/XX/2019. THEY USE EQUIFAX. THIS HAS BEEN AN ONGOING PROBLEM.THIS IS THE RESULT I BELIEVE OF OUTSIDE ENTITIES, SUCH AS MEMBERS FROM A CERTAIN LODGE ENCOURAGING TAMPERING OF MY ACCOUNT. ITS THE SAME ACTIVITY PATTERN THAT I HAVE SEEN IN OTHER AREAS OF MY PROFESSIONAL LIFE. 
I HAVE TRIED TO CONTACT EQUIFAX AND I AM CONSISTENTLY DISALLOWED TO OBTAIN INFORMATION VERBALLY ABOUT MY ACCOUNT. 
I AM SO SICK OF DEALING WITH EQUIFAX. I HAVE TAKEN THEM TO COURT. I HAVE A COURT PROCEEDING WITH EQUIFAX IN XXXX AS A RESULT OF NONCOMPLIANCE. 
THEY ARE LITERALLY INTEJECTING THEIR RETALIATION INTO AREAS OF MY LIFE BECAUSE OF RETALIATION THIS IS ONIMOUS. IF THEY ALLOW OUTSIDE PEOPLE TO INFLUENCE. TAMPERING WITH SOMEONES CREDIT THIS IS A VIOLATION OF MY CIVIL RIGHTS.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report as this is a violation of my consumer protection protection rights.
Consumer complaint received 2023-01-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX CREDIT CARD : # XXXX, XXXX XXXX CREDIT CARD : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.