davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Grain Technology, Inc. (NY)

I have been unable to access my grain technology account for about 6 weeks or so. 
grain technology is a digital credit card that works with your current bank account. 

the issue started on XX/XX/XXXX after calling and not being able to get in touch with anyone. 
I sent my first e-mail on XX/XX/XXXX to grain support I've attempted to call several times to speak to someone about me being locked out of my grain account. I've left messages detailing the urgency of someone getting back to me. 

I've emailed periodically detailing that I am in the process of buying a house and wanted to pay my bill in full fearing that my credit utilization would get too high and hurt my credit score. all I keep getting is an automated email saying someone will contact me in 2 days and grain never does. 

still not have been able to speak to someone from grain.
Consumer complaint received 2022-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2020-12-20
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-09-27
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. (AR)

Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 To Whom It May Concern : Please note that I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act. The FCRA requires you to verify the validity of the item ( s ) within 30 days. If the validity can not be verified, you are obligated by law to remove the item ( s ). It has now been more than 30 days, And I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
Consumer complaint received 2022-12-18
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)

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. In 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 an account without my written instructions. I have submitted all required documents asked for and they still have not removed this from my account. After I sent in the supporting documents, they closed the dispute and left it on my report. Here I will upload payment history and how it does not match with whats reporting. IT HAS BEEN WELL OVER 30 DAYS. NOW XXXX.
Consumer complaint received 2022-05-31
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: CCS Financial Services, Inc. (TX)

Today I received a credit alert saying a negative account jas been placed on my credit reports by CREDIT CONTROL SERVICE. I have received a validation showing anywhere that I owe this company money nor a contract showing I owe anything to this company. Yet they have placed a collection account on my credit which has negatively affected my credit scores. I do not know who this company is and they are in violation of my consumer rights as well as causing harm to my credit standing and good name.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2021-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (MN)

Received calls from a XXXX XXXX from Convergent from XXXX on my private work phone stating I owed a debt, but didn't elaborate from where. 

I believe it is XXXX, because I switched services but they didn't cancel my plan right away when I transferred my number and plan to another company, and state I owe a half month service, which I do not and have contested. 

I have been contacted by this company twice before and told them I didn't owe anything and not to call me, especially not during my work hours.
Consumer complaint received 2022-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (MI)

I ordered XXXX pairs of shoes from XXXX using XXXX for the first time. It was ordered on XXXXXXXX XXXX XXXX. XXXX has no receipt of this order and XXXX has stopped allowing customers to speak to a live person. Everything has to be done online. I have not received my order and they have deducted XXXX payments from my XXXX XXXX account. I want a full refund or get my order. This is a sham company and I have filed a complaint with them. They responded with an email that someone will ( doubt it ) contact you in 5 business days.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

I dont remember rhe dates.but this was maybe XXXX or XXXXi moved out of my apartment. I called this company and explaine i was moving and when.i requested the electric be turned off and it was not done.some one else moved in and used the service and when they realized that then it was shut off. i tried to get thia resolved and was told they would look into it and nevwr did.then next thing i knew it was on my credit
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NV)

This account lists the following company as the creditor MOHELA. This company is NOT the creditor, I never contracted with them, and I sent certified mail to them and also ALL of the credit consumer agencies to immediately correct my reports and remove this account. 

This account has been correctly show as PAID OFF since XX/XX/XXXX. 

This account is to be removed immediately, it is affecting my credit worthiness I worked very hard for. 

Last reported XX/XX/XXXX - Amount : {$170000.00}
Consumer complaint received 2022-12-18
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: EQUIFAX, 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 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Flagstar Bank, N.A. (NY)

I was selling an item in a private XXXX group. I had an interested buyer who called me via XXXX XXXX. We were making the transaction through XXXX. The gentleman sent a screen shot of the payment he claimed to make. I didn't receive the payment to my XXXX account. I then received an email from what appeared to be XXXX. It was very authentic. It stated the gentleman needed to deposit more money because he had a business account and that I needed to update my account. Another email followed stating I needed to deposit {$300.00} in order for the {$250.00} would be released to me. It all seemed strange because I'd used XXXX many times but again, the emails looked extremely authentic. The entire time the gentleman was on the phone with me. He sent another screen shot of an amount he claimed he was told deposit. I did deposit the {$300.00} and received an email from XXXX stating it had been received however, I still had not received the money I was owed. A fee minutes later another email comes through stating that I needed to deposit more money at this point I knew something wasn't right. I told the gentleman I would call my bank to figure this out. I hung up on the gentleman and I called my bank and I was told I had been scammed. We tried to reverse the payment but couldn't. My bank then connected me to the fraud department. I told them what happened and that I had all emails and messages from the gentleman. The entire time he kept trying to call me and and has still sends messages. I received a letter today from my bank stating that there was nothing they could do and that my case had been resolved. I called my bank for answers. I was told because it was authorized even though it was a scam l, they were not responsible. I told them that XXXX is used through the bank and the scammed clearly have some knowledge of XXXX and have pretty authentic emails that appear to come from XXXX. The Customer Service representative told me I should be thankful that it was ONLY {$300.00} when other customers have lost thousands!
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (VA)

XXXX keeps passing the account around to different collection agencys with a XXXX dollar amount when I have a voice mail stating I owe XXXX which I dont I closed the account and XXXX left it open after I called and canceled my account. I am not responsible for XXXX mistakes!
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2020-12-20
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: SYNCHRONY FINANCIAL (PA)

My credit report states that on XX/XX/2020 Syncb preformed a Hard Inquiry into my credit file. I do not recognized nor recollect ever authorizing Syncb to preform this action.
Consumer complaint received 2022-12-18
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. (CA)

I filed a complaint with TransUnion reporting inaccurate information on my credit file, both with them personally and also with the CFPB. My complaint has to do with " XXXX XXXX '' on my TransUnion credit report. This account has been already reported as " closed. '' Now it reappears as " open, '' which is a violation of the FCRA. Because this account keeps reporting as open and closed, it is reporting inaccurate information. I asked TransUnion to remove this account from my credit report, as XXXX has done, but they refused to comply, stating that the account is " accurate, '' which is false. I demand for them to remove the account from my credit report or I will take legal action against them.
Consumer complaint received 2022-12-18
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. (VA)

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 2024-05-09
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: EQUIFAX, INC. (CA)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Consumer complaint received 2022-05-31
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. (SC)

The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name XXXX XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Experian Account Name XXXX XXXX XXXX # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account XXXX : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX XXXX XXXX Experian XXXX XXXX XXXX Agency XXXX XXXX and Experian XXXX XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX  : XXXX Bankruptcy XXXX XXXX XXXX CT SC XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : Experian Name and Address are inaccurate : Also Known As : XXXX, VOID, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (FL)

Mohela ss # XXXX It has come to my attention that negative items are being reported on my credit to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (UT)

Fraud accounts were opened using my information and credit profile. The following rights of mine were violated and laws broken. 


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 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have had the account in question for years. My credit limit has gone up and I have made payments always ahead of time and always for more then the amount due. After years with Paypal credit card run by Synchrony Bank  on XX/XX/XXXX they closed my account. I had over {$3700.00} dollars in reward money that I had been accruing since I first opened the card. When I contacted the company they said there is no answer as to why my account was closed. I asked for it to be reopened and was denied. I then asked for my money to be sent to me and they said no. This was XXXX percent their way of not having to pay me. Kept saying to me that a letter was sent and when I got letter it made no sense.