davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

LEXISNEXIS has yet again reported inaccurate information under the motor vehicle section of my consumer report. Case # XXXX has absolutely NOTHING to do with my driving record. This case should NOT be reporting under my motor vehicle section. I literally just had XXXX other case 's removed not even XXXX weeks ago ( XXXX and XXXX ) these XXXX cases were removed for the exact same reason that I'm submitting this complaint/dispute today. This XXXX case # is also inaccurate because I've always had license and was NEVER pulled over without them. I also live in Texas not in Ohio. I think LexisNexis is mixing up my consumer file. 

If both case 's under case # XXXX XXXX XXXX XXXX ... XXXX Case # XXXX Lane Control Signals are not revised and deleted from my consumer report I'll sue for the max amount and enforce my rights under the FRCA. I'll include my Texas Driver 's License solely for the purpose of verifying my identity. I've also attached the incorrect and misreporting from LexisNexis.
Consumer complaint received 2023-10-06
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MT)

Not only did Ocwen XXXX us over for over a decade, so we also filed a complaint with CFPB due to their lies and demanding they fix the credit report. Instead of doing what is right, they purchased PHH mortgage, sold our mortgage to them, and still haven't fixed their wrongdoing. Ocwen needs to completely remove their account off of all three credit reporting agencies. PHH needs to update the account as we have paid in full on time every single month since they became our account holders. This is beyond ridiculous. We have found a lawyer who has successfully won litigation against them in the past and will be working with him. We have documentation to prove that they are liars and have unethical practices. These companies must be stopped and held to a higher standard. You would think that failing time after time they would be shut down for good. But instead, they pay a hefty fine and keep screwing people over. DISGUSTING!!!!!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX  XX/XX/2024. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have t XXXX CARD HARD INQUIRY removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (VA)

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and XXXXhe case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with US BANK with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (NJ)

I checked my credit profile through XXXX  and convergent outsourcing collection agency has added a derogatory mark on my credit report. Upon further research, it appears that this account was transferred or sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, I have not received no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and state that the debt is mine. According to the FCRA, Covergent Outsourcing has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX XXXX I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with identity theft also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : The following accounts is not mine Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (NC)

Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXX XXXX, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX Bank, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX
Consumer complaint received 2021-03-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2021 XXXX XXXX pulled my credit report in error. XXXX XXXX notified me through correspondence dated XX/XX/2021 that it was sending a request to Experian to remove the inquiry dated XX/XX/2021. I sent the same letter from XXXX XXXX to Experian on XX/XX/2021 requesting that they remove the inquiry made by XXXX XXXX. As of XX/XX/2021, Experian has failed to remove the inquiry made by XXXX XXXX. Experian shows the credit inquiry as XX/XX/2021 when in fact XXXX requested the credit report on XX/XX/2021. XXXX XXXX has done its due diligence in assisting me in removing this inquiry from my Experian credit report.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Upon checking my account on XX/XX/XXXX, I discovered that an unauthorized withdrawal of {$700.00} at a Wells Fargo Machine located at XXXX XXXX XXXX XXXX in XXXX, CA. It was done by someone using the tap method according the bank records and records on the Wells Fargo app. This is the same branch I did a deposit at on the same day, records show that this unauthorized transaction also happened on the same day ( XX/XX/XXXX ). I filed a claim through Wells Fargo as soon as I found out on XX/XX/XXXX, claim number # XXXX. I followed up my disputed claim on XX/XX/XXXX and was told that they are denying my claim because upon their investigation there was no fraud and therefore could not return my money. I am a hardworking individual barely making ends meet and this {$700.00} was my month 's rent. It is unfair that they denied my claim, my withdrawal patterns speak for themselves, I have never withdrawn in amounts like that.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with XXXX XXXX XXXX XXXX and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called XXXX to dispute the money. XXXX said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through Zelle, with the contact information XXXX. I did that ( transaction number XXXX ), but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, XXXX to be Zelle. They said " ZELLE : for your protection, your {$100.00} payment to XXXX XXXX XXXX was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refusedtogivemeone.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX, XXXX, 2022, a total of {$94.00} was taken from my account by a service I wasnt provided from XXXX. I contacted the bank in regards to this action and they asked for proof which was provided. I didnt file anything through XXXX XXXX
Consumer complaint received 2021-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NJ)

When i graduated XXXX XXXX with an XXXX which was around XXXX, I reached out to XXXX XXXX to start making payments on my private loans. I remember being in forbearance for a year or two but then decided to start paying my loans because I wanted to build my credit and get rid of those loans as soon as possible. I had multiple discussions and arguments with Salliemae because they were never willing to work with me on a payment plan. During XXXX, someone I spoke to quoted me a $ XXXX/monthly dollar payment which was absurd giving my salary and expenses ( which I provided to salliemae ). Weeks later, sallie mae sent all my accounts to collections and that impacted my credit score negatively. My credit score literally went from the 700 hundreds to the 500 hundreds. Weeks later, I was having a conversation with another individual at Sallie mae and she noticed that whoever worked on my financial statement missed some expenses and made a mistake on my income which explains why I was quoted a {$2000.00} monthly payment. Now, in order for me to not have a deliquent status and my step dad who is the cosigner on the loan and has retired, i decided to agreed on the monthly payment of {$850.00} a month. Multiple times I have called sallie mae to try to reduced my payment because right now giving the financial situations everyone is going thru, I can not afford to spend almost {$1000.00} in students loans. I do want to pay my loans but they are not working with me to lower my payments. I still live with my parents and I'm honestly having family issues which would require me to move. My options are going to be to either pick up a mortgage or throw money out the window paying rent and forget about paying my students loans for now but I do not want to do that which is why I decided to reach out to you guys. 

I hope you guys can help me out with this! 

Looking forward to hear from you. Thanks
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, Equifax and XXXX XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, Equifax or XXXX XXXX. 
Called XXXX XXXX and Equifax again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I don't believe what I selected describes my problem, but I thought it was the closest. Any how I submitted a complaint with Cfpb regarding credit report with Experian that on the report were accounts not mine. Complaint # XXXX. The one was deleted XXXX XXXX XXXX and the other was not XXXX XXXX. You gave me a new report showing that XXXX XXXX XXXX was not on the report, but XXXX XXXX was still on. You also on the first page of this report list : XXXX XXXX XXXX IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY- OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT. 

I want the above statement removed from my report. It is a stupid thing to state about XXXX   XXXX. You know that I called them repeatedly at different locations and numbers to tell them that it is not my account. They even verified that it is not mine. So. I want this whole statement removed along with the account XXXX XXXX. 


On page four at the top of new report. I want this statement removed, because I did not give it to you. Never gave this statement, so I don't know where you came up with this. Want this removed : " ID SECURITY ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME ( This absolutely does not make sense ) OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINING XX/XX/XXXX.
Consumer complaint received 2021-03-19
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. (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and Transunion of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and Trans Union again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, XXXX and Transunion XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, XXXX or Trans Union. 
Called Trans Union and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

By there own website it shows they are doing this on purpose for me filing all these complaints 16 months worth of on time never late to XXXX they wiped out and refuse to put back and keep saying they are working on the problem the 4 screen shots of there own website shows this is fraud and retaliation
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

A debt validation was mailed certified to the collection company on XX/XX/2021. The company received the letter on XX/XX/2021. In response, on XX/XX/2021 the collection company sent copies of my bills which contained my medical history such as : Diagnoses codes, procedure codes, and procedure description. This is a violate my HIPAA rights.