davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (FL)

Per conversation on the phone I had an outstanding debt that went to collections. I called and told them I wasn't able to make any payments because I became XXXX and lived in XXXX XXXX and when XXXX hit I was in a financial hardship. The date I sent a payment in full I asked if all negative remarks would be removed from my credit report and account would be marked paid in full. They agreed verbally and I sent a payment of {$3500.00} over the phone. I recieved a letter the debt was paid days after. Its still on my credit report I tried calling but they aren't keeping there end of the bargain. If it was just a couple dollars I wouldn't care but the fact I was back on my feet and put over $ XXXX to pay it in full I made sure to come to some agreement. When I go online to look at the prior loan all infomation is deleted and I get an 404 error. The page can not be found. So now It looks like I never had a loan.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (MI)

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC was contacted to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC was contacted vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, again to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. A copy of the letter sent to the credit reporting agency is attached. " Please remove any other items from my credit profile, personal history because I am afraid that I might be susceptible to identity theft. '' On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC requested additional information from me, to to correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, Consumer sent EQUIFAX INFORMATION SERVICES LLC vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, the requested supplemental information asked. 

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC received US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, from Consumer. 

As of today, XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC has and continues to harm, damage, and injury the ESTATE belonging to Consumers business affairs, by continuing to publish invalid address, phone numbers, employment history, and credit account ( XXXX ) not used or owned by consumer.
Consumer complaint received 2022-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-06
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: EQUIFAX, INC. (UT)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-01
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. (TX)

XXXX, XXXX, and Equifax are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not removed.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/XXXXI tried to fix this issue with Discover Bank, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Discover Bank Acc # XXXX, Opened Date XX/XX/XXXX, XXXX/Closed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Discover Bank. Thank you.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX these items above should be removed from my report immediately.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (OR)

On XX/XX/2022 I got paid my monthly check of XXXX I went to town to buy what I could afford for the month and pay bills I ended up losing my wallet I went home went to bed by morning still no signs of finding my wallet so I called the ace elit card automated system to check bal and cancel my card well there had been XXXX $ dollars spent from my card and but was still pending I called emedietly to figure out the what was going on the there had been money spent on there I did not do of a western union of sorts to a foreign country they told me at net spent I had to call back the next day of XX/XX/2022 because that it was still pending in so thats what I did they filed the dispute but told me I had 10 days to mail them a typed or written letter to dispute the unautherized transaction on my Card well I did exactly what they asked of me and they told me that I did not send them the typed letter they asked for with in 10 days witch I mostsertantly did on XX/XX//2022 is the date they told me to write the letter in 10 days so they can temporarily pay my funds back to me until the most wait of 90 for them to investigate my case and I'm now sitting in the hole XXXX dollars and they claim by mail Ed letter saying I did not compli with in the 10 day mark and I have a email poof that I did XXXXomplie just yesterday I got the letter in the mail XX/XX/ 2022 I emailed them back sending pics of my inbox sent out box and what I got in the mail they replied stating that that dispute was not from card holder well I'm pretty sure I am the card holder and I'm positive that was my email they got that from but it wasn't the card holder that sent it?????
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

XXXX is claiming I owe {$340.00} which was sent to XXXX XXXXXXXX XXXX XXXX XXXX to be collected. I called both companies which advised me the name and information on account didnt belong to me. However it was not removed from my credit. The home address on the account is from New York, which I never lived in NY a day in my life.
Consumer complaint received 2022-03-01
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: Premium Credit Bureau (FL)

Premium Credit Bureau, is showing a hard inquiry ( XX/XX/2021 ) in all my credit reports ( XXXX, XXXX XXXX XXXX ), I don't recognize it. 
I have been sending letters to Premium Credit Bureau as well to the 3 Credit report offices, neither of them is showing evidence of myself approving Premium Credit Bureau to inquiry my credit report, I don't recognize this inquiry and didn't receive any answers from Creditor neither from the Credit report agencies. 

On XX/XX/2021, I went to get my new car in a XXXX XXXX, as this was a lease I authorized XXXX XXXX to run my credit but XXXX XXXX XXXX XXXX run my credit as well, I sent letters and email to dealership without any answer neither an explanation, also I requested the 3 Credit Bureau to remove the inquiry without any answer.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MN)

RoboCall from XXXX " XXXX '' at Discover offering low Interest Rate Transfer I am on the " Do Not Call '' List and have repeatedly asked for my number to be removed from their calling list.
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (TX)

What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX
Consumer complaint received 2022-03-01
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. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. The status of each accounts is unclear and inaccurate. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXXBalance : {$950.00} XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXXBalance : {$4200.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (WI)

ORIGINAL COMPLAINT XXXX I REQUESTED YOU STOP ADDING REMARKS AND REMOVE ANY UNNECESSARY REMARKS AND YOU HAVE READDED THE SAME REMARKS TO MY XXXX CARD!!!!!!!!!!!!!!!! XXXX ARE YOU DOING STOP CREATING MORE ISSUES! I AM APPLYING FOR A LOAN SOON AND I NEED MY CREDIT REPORT CLEAN! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-03
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: Experian Information Solutions Inc. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kehoe Financial Group, LLC (CA)

We have an ongoing dispute open with XXXX XXXX XXXX XXXX, Lease # XXXX, regarding services that have not been properly rendered as per agreed upon in the contract. We have tried to communicate directly with XXXX XXXX to remedy the problem, and we have made a payment in good faith, but XXXX, XXXX has been unresponsive in remedying the trouble we have had concerning the Solar panels installed on our home. Please be advised that we would like to solve this issue as soon as possible with XXXX, XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTIFICATION OF DELINQUENT ACCOUNT CREDITOR : XXXX XXXX XXXX XXXX Lease # XXXX Reference # XXXX Past Due Amount {$1100.00} The above-mentioned matter has been referred to this office. This communication is from a debt collector attempting to collect a debt ; all information obtained will be used for that purpose. 



Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice that the debt or any portion of it is disputed, this office will obtain and mail you a copy of the verification of debt or a copy of the judgment against you. If requested by you in writing within thirty days of receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 



All payments must be drawn payable to 'Kehoe Financial Group ' and sent to the address at the top of this letter. 



The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/2020 I tried to fix this issue with Capital One, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Capital One, account # XXXX Opened Date XX/XX/XXXX, XXXX Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Capital One. Thank you.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I suspect that a debt collector has intentionally re-aged my debt. This is a 5 year old debt, from XXXX, that was closed and written off by the original company. Following this, it was deleted off all my credit reports. Now, years later it has popped back up and with a date of origin in XXXX. This is not remotely accurate.
Consumer complaint received 2020-08-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I recently sent letters on XX/XX/XXXX to to the credit bureaus and they are disregarding a regular consumer dispute. I have sent letters to them prior to this due to this matter that needs to be resolved immediately. The inaccuracies has taken a toll on my life and to not be getting a response is beyond crazy to me. There are laws that they must abide by. 

Today is XX/XX/XXXX and i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get in contact with them and get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IL)

I would like to file a dispute with Wells Fargo Auto Finance. Wells Fargo is negatively reporting a debt owned on credit reports that has already been satisfied from a insurance settlement. The debt is invalid which is evidenced by them releasing the lien of my vehicle and giving me the title. I currently live in Illinois which is a title holding state and a title is not released until loan is satisfied. I have reached to all three credit company 's to dispute this issue but was not able to get it resolved because Wells Fargo is stating that the debt is valid.