davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LendingUSA (NC)

Lending USA has made errors in regards to my billing at which i have never been late. have reported past due payments which they fixed but now has come back again as well as sending me notices recently saying my account is past due AND IT HAS NEVER BEEN LATE!!!!
Consumer complaint received 2021-12-22
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. (SC)

I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Experian has not removed any of these items. Experian has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXXXXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-12-03
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: Unifin Inc. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.
Consumer complaint received 2021-12-22
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: Bread Financial Holdings, Inc. (FL)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My Bank of America account was closed in XXXXXXXX XXXX XXXX. After doing research to figure out why it was closed, I found that it was closed due to what was called a " fraudulent check ''. The bank closed the account after I received my approved XXXX loan payment because they deemed it to be fraud when it was not. This negative remark was listed on cXXXX and early warning system. 

After Bank of America closed my account so did XXXX  and XXXX XXXX. I am only assuming because of the same reason. As of today I am unable to open a checking or savings account with any financial institution. The loan was approved by XXXX XXXX and was not fraud. I have attached the approved documents to this complaint.
Consumer complaint received 2021-12-22
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. (IN)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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. (PA)

I am a victim of identity theft that creditors are reporting on my credit report after numerous of times trying to fix the false debt on my credit report from XX/XX/XXXX to XX/XX/XXXX i have called and spoke to fraudulent departments i have disputed information i have sent letters i have contacted original companies also.i filed police reports multiple times and summited information. I filed complaints through CFPB over the years also for help and followed the guidelines for identity theft for recovery non has been granted.
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-12-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (LA)

i received student loans to complete a phd in biology at XXXX university, for 5 years after graduation in XX/XX/XXXX, i was in forebearance because i could not get a job and had to settle down for XXXX {$19000.00} fellowship as postdoctoral fellow at University XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to apply for loan forgiveness as XXXX fellow but was turned down, as the program was for only XXXX fellows working at XXXX. I got my first real job as an XXXX XXXX in XX/XX/XXXX at XXXX University, PA on XXXX annual salary, i was laid off with all non-tenured faculty in XX/XX/XXXX due to the State of PA cutting off all aid to XXXX University due to financial stress of XX/XX/XXXX. After 4 months unable to secure another job, i volunteered for XXXX type federal sevice called XXXX/sponsored by XXXX, XXXX for XXXX XXXX for 2 years, XXXX. When i returned to USA in XX/XX/XXXX, i still had no job so i did XXXX XXXX service for 2 years with STS/PA until I got a faculty job in XXXX XXXX on XXXX per annum in XX/XX/XXXX at XXXX University at XXXX XXXX XXXX I paid my student loans for 3 years while at XXXX University and at Southern University at XXXX XXXX. I was denied tenure in XXXX at Southern University and have remained unemployed since then. Both my services at XXXX University and XXXX University is for 10 years though not continuos. My student loan went into default and when my XXXX dollar tax refund was garnished in XXXX, i applied to rehabilitate the loan through XXXXPHEAA and it was granted with agreement to pay XXXX dollars a month till XX/XX/XXXX. However the loans were reinstated in XX/XX/XXXX with a payment of XXXX dollars per month, my Social Security benefits, the only income i have is XXXX per month, i am on XXXX and XXXX XXXX All attempts to get AES to grant me forebearance based on my income has failed.
Consumer complaint received 2019-11-21
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: WELLS FARGO & COMPANY (WA)

The date the account is opened is wrong : The account was opened in XX/XX/XXXX. 

Wells Fargo Equity Line of Credit : Debt went bad in XX/XX/XXXX of XX/XX/XXXX. 

XXXX XXXX
Consumer complaint received 2023-01-20
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. (IA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-11-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

To whom this XXXX concern, I tried to buy an XXXX online through the XXXX website. The Bank they use for the loan is Citizens Bank and they are offering 0 % apr on the loan for the product. So, I thought, why not take them up on the offer. 

I have great credit and assumed that this would be a smooth process. My first attempt wasnt successful and I got an auto-response saying my loan request was denied. I thought it was a mistake so I tried several more times thinking I was putting in the wrong info. The auto-response kept saying to check my email but nothing was sent over a few days. I even paid down my credit card to zero thinking maybe that was the problem. I attempted this around 5 times in total. 

I contacted Citizens bank to see what the problem was. They concluded that my account from 4 years ago was delinquent around {$500.00} from an XXXX product in the past ( I dont remember the exact amount they told me ). I never knew this and was very surprised to hear it. I never got an email or letter telling me to know I owed them money. They told me to call the collections department to resolve the problem and pay the balance and that would fix any issues. I was happy to do that yet still a little confused that they never tried to collect from me. 

I called the collections department and they assured me that I have a zero balance and it was paid on XX/XX/2017 so there was nothing to pay. Apparently, it was a two-week late payment for around {$500.00}. We were able to get on a three-way phone call with a Citizens Bank representative to explain that this issue has been resolved 4 years ago. 

The bank refused to fix the problem on their end. After many attempts and several conversations with different people to resolve this, they still will not absolve me from their mistake. They continue to say I owe them money and that I am a risk to loan money to. With no way to pay them or resolve the issue, I am at a dead end. 

I just happened to look at my credit score today and it has gone down almost 50 points in two weeks. I can only imagine thats because of all the times I attempted to apply for this loan that was denied for a mistake Citizens Bank refuses to correct. 

Thanks for your help. 

Best
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

Hello, I received a notice about a new medical collection added to my credit profile. This is a LIE as my insurance paid this expense in full. I demand this to be removed at once as this is impacting my credit profile. I am also showing numerous inaccuracies, arent the active dates supposed to match under the FCRA? I will hire a credit consumer lawyer if needed and sue for all violations found. I have yet to receive any verification as well
Consumer complaint received 2021-12-21
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. (MI)

whats going on now? im still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors!
Consumer complaint received 2021-12-21
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: AMERICAN HONDA FINANCE CORP (CA)

I have sent an identity theft report to XXXX, XXXX, XXXX, AND AMERICAN HONDA FINANCE It has been well over 30 days and I have not received a response this investigation should have bee completed XX/XX/2021 Please remove AMERICAN HONDA FINANCE from my report.
Consumer complaint received 2021-12-21
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. (NC)

I contacted XXXX via mail and phone requesting the removal of the inquiries that I didnt apply to. XXXX informed me that they are accurate and will remain for XXXX years. I did not apply for credit to the companies listed with the exception of XXXX for XXXX XXXX and that company is listed twice on the credit file. I have not received documentation for verification of these inquiries.
Consumer complaint received 2021-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

My XXXX loans are serviced by ECSI ( Heartland ). When I recently attempted to check my balance, the credentials that I always used were rejected as invalid. When I attempted to reset password, the system did not recognize my account ( based on last name and birthdate ). I am at a loss about what to do to access my account information. The XXXX XXXX does not appear to work. I was on hold for almost an hour, and then left a number for a call back. Neither option has resulted in talking to an person who can grant access to my account. I don't know what else I can do. Please help me access my account. Thank you very much.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (GA)

In XX/XX/XXXX I terminated my XXXX XXXX, cause of faulty issues in there equipment. When I terminated my account. I was told I would not be charged or any payment would be needed. I was told multiple times. The people their said as long as I return the equipment that was theirs. No charges would be pressed, I have retuned there properly. 
I dont know why Im being charged or something I wasnt supposed to be charged and didnt know
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your immediate attention a critical matter regarding fraudulent items on my credit report. It has come to my notice that unauthorized entries have been reported, severely impacting my financial credibility. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I promptly initiated the dispute process as outlined by Credit Bureaus, providing all requisite documentation, including police reports and affidavits, to substantiate my claim of identity theft and fraudulent activity. 

Considering the significant ramifications for my financial stability, it is imperative that you expedite the investigation and removal of these fraudulent items from my credit report. Swift action is paramount to mitigate any further damage to my creditworthiness and restore the integrity of my credit history.

I hereby request the following actions to be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal, along with updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against potential future instances of fraud or identity theft. 
Given the urgency of this matter, I urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

My mother in 2007 when I was XXXX XXXX XXXX obtained a Wells Fargo credit card under my name. I had no knowledge this was under my name and Wells Fargo allowed a debt to be opened in someone's name without their knowledge and also my mother is not a XXXX XXXX speaker they took advantage of her asking if she had any adult child she wanted to make an account for. This was around the same time they had a scam to open as many accounts as possible and mine was one of them which the CFPB sued Wells Fargo and forced them to pay huge fines for this type of behavior My mother has been paying that debt which I had no knowledge off because I did not open the account and I don't use my credit for anything up until recently when I checked my score and my report to find that Wells Fargo has been reporting me on a Charged OFf account - They never called or wrote me anythjing to allow me to resolve the issue they simple reported me as a charge off. I only found out due to accessing my free yearly credit report which I only did recently and hadnt noticed this account ever in the past due to it being in good stannding. now that its a charge off I was still never notifgied by Wells Fargo about this account and its negative standing in order to resolve it. 

when I try to call I get conected through general customer sertvice, they tell me that they have to transfer me to their legal department ( XXXX ) they leave me on hold for hours, then someone answers, says they cant hear me and hangs up. This has happened about 15 times now from multiple phone lines and I am losing time and income dealing with them since they are only open during regular business hours XXXX while I am also working. 

this is discrimination as they took advantage of my XXXX mother who didnt fully understand XXXX and they got her to open the card in the first place without my actual permission and I was so young I didn't know until I am not older and trying to use my own credit.