davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (IL)

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

Company name : XXXX XXXX, late payments Dates XX/XX/XXXX, XX/XX/XXXX unknown at this time. 



In accordance with the federal reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, ) I am Attaching identity and proof of address.
Consumer complaint received 2022-02-23
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (GA)

We are having a problem with the Company Affirm and XXXX trying to collect money thats not owed to them and they have already been refunded back already by the vendors XXXX XXXX and XXXX XXXX. Affirm is trying to force us along with XXXX to pay money we do not owe and damage our credit with this collection they have on us. 
In XXXX of XXXX my husband and I went on to XXXX website to book a flight from XXXX, XXXX to XXXX Florida for dates XX/XX/XXXX XX/XX/XXXX. The first booking was made on XX/XX/XXXX, under XXXX Trip number XXXX in the amount of {$540.00}. The company Affirm was the loan Payment Company under XXXX XXXX in which XXXX was the merchant. When you book with them the reservation is paid in full to the Airline by a credit card XXXX or Affirm and you make your loan payments to Affirm. I never during the transaction ever provided a credit card or anything just my back account to be drafted for the payments from Affirm. 
On XX/XX/XXXX, we canceled this flight due to medical reason which is allowed with the airline as long as we can provide the medical documentation with it. My Husbands Medical Doctor did provide the medical documentation reason letter to why he wasnt able to fly. I have provided Affirm, XXXX several times documentation showing on XX/XX/XXXX @ XXXX XXXX XXXX booking cancellation and a refunded back to them under reference Code XXXX. XXXX XXXX also cancelled on XX/XX/XXXX, under reference XXXX XXXX. The company Affirm is trying to say Im not allowed to cancel a flight regardless of my husband medical condition and price line is supporting it. All of this detail information was also disused with XXXX Manager XXXX XXXX XXXX  XXXX and XXXX in Travel department who refuse to give her Employee ID. 

We have received letters from Affirm stating during their dispute investigation that we are responsible for the loan still. Since we couldnt get closure with Affirm we contacted our attorney and they sent them a letter XX/XX/XXXX, disputing the collection. It wasnt until XX/XX/XXXX, that we got a response back from XXXX XXXX Legal/Agency Complaint Specialist of XXXX XXXX XXXX ( See attachment ) The information he provide is false because we never provide a credit card. On XX/XX/XXXX, we contacted both XXXX XXXX and XXXX on a record call asking them to verify the credit cards they refunded. We gave them every credit card number we owed and none of our card is the ones used for the reservation or the card they refunded. The information XXXX XXXX XXXX is a complete lie. We reached out to XXXX XXXX XXXX and Affirm on XX/XX/XXXX, and as of this day XX/XX/XXXX, we have not heard back from him or XXXX.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (IA)

On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because there are obvious inaccuracies. 

The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference and once again it is Caine & Weiner 's job to make sure this information is correct by conducting a proper investigation. 

Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX BANK XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I was contacted initially by XXXX document verified services with a reference number and phone number of legal office to contact. When I called the number that was provided to me, the name of the company was XXXX XXXXXXXX XXXX. I provided the reference number I was given by XXXX. They had my name and last four of my Social Security number and claimed that they had documents for me and I was being sued by HSBC Bank for a credit card through XXXX XXXX that I had and it was closed out approximately 15+ years ago. They claimed they would email me the official debt documentation and that hardcopies were being delivered to my home because I was being sued. They told me that they would work with me on making payments at a 30 % of the balance and developed a payment plan with me. They sent me a text message where I was able to verify the agreed payment plan. I provided a debit card and made a {$300.00} payment. After getting off the phone I was told I would be emailed the agreement which never came and I started to become worried that I was scammed so I called HSBC bank and provided the account number that was given to me by XXXX XXXXXXXX XXXX. I also provided my Social Security number to HSBC Bank to look up and see if I had an account with them. It was linked to a Social Security number that it may have been previously closed out and there was absolutely no record of me on file for any type of debt. I contacted XXXX XXXX XXXX again and they were unable to provide me with said documents and had no answers for me as to why my information wasnt on file with the company that they said was suing me. I made a {$300.00} payment over the phone.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (IL)

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a Credit card from XXXX XXXX on my Credit File that I did not apply for, approve, nor did I authorize this card to be applied for in my name. Please delete this card off of my Credit File. I have XXXX police reports filed and sent to each Credit Bureau showing my Identity theft.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

A dispute was submitted for cashapp due to not receiving the funds that was uploaded from my account to the XXXX XXXX application. Two hours after the dispute was submitted, the company responded that they found no issue and that the dispute will be closed. I asked to reopen the dispute because I did not have an opportunity to provide my documentation and communication from cashapp. The banking institution " Chime '' then responded with an email stating that my account would be closed on XX/XX/2024 due to a violation of the member handbook.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (PA)

When I purchased my XXXX XXXX I put down {$15000.00} cash. Then financed {$3000.00} that turned into more. It eventually was repossessed and nobody tried to work with me.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (TN)

I submitted a credit repair request to all 3 bureaus, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (TX)

I reviewed my credit report with TransUnion on XX/XX/XXXX. I found an adverse account item reported from Aspen National Collection. I did not recognize the original creditor. I called Aspen National Collection and spoke with XXXX XXXX. I asked for any evidence that the account was mine and he refused to provide any. He stated that this was in reference to XXXX XXXX XXXX. I am not an owner or co-signer of any account with this company. I have never received any information from XXXX XXXX XXXX or Aspen National Collection previously about an outstanding debt. The claim was placed in collection on XX/XX/XXXX. I did not receive any letters, e-mails, or phone calls about this debt. The statement shows that the payment was made on XX/XX/XXXX. I have reviewed my bank statements for that period and not matching payment was found. 

I tried to resolve this with Aspen National Collection, but XXXX XXXX was not willing to assist. XXXX XXXX at Aspen National Collection was also not willing to send any evidence that I owed the debt. 

The practice of arbitrarily adding names to account is predatory and this intentional fraudulent practice should be penalized. 

I have no documents to include as no evidence of this debt was provided to me.
Consumer complaint received 2023-05-19
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: CITIBANK, N.A. (FL)

XXXX, and only XXXX, shows a Citicard account that does not belong to me. I contacted Citicard and they verified that I do not have an account with them and recommended I file a dispute with XXXX. I filed the dispute, but XXXX says that Citicard verified that the account belongs to me. I also received a letter from Citicard stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called Citicard again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with Citicard. The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a Citicard card because I don't have a Citicard account. For some unknown reason Citicard simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for fraud.
Consumer complaint received 2024-01-10
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-10
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. (OH)

XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I have credit issued to me for an overpaid balance. They are refusing to return that amount. I have fought with them over the phone numerous times. They keep hanging up on me and I have not received the amount! 

Citicards.com.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BetterNOI, LLC (MI)

On or around XXXX XXXX I filed CFPB complaint XXXX. In it I outlined how I was subjected disparate treatment and housing discrimination as a result of BetterNOIs decision engine which management companies/landlords use to approve or deny an applicant for an apartment. BetterNOI responded shortly thereafter claiming the issue did not belong them, despite it being BetterNOI proprietary algorthms that tell management companies/landlords whether or not to approve an applicant as a renter. The original complaint is attached, as is a copy of the complaint I have just filed with DOJ for XXXX and XXXX  discrimination.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (VA)

XXXX - Company has misused reports to make XXXX look XXXX! 
All in the name of the " glorious XXXX '' Contacted me Virtually & not in WRITING after contact hours XXXX violated truth in lending & fair credit reporting act
Consumer complaint received 2021-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tri-State Adjustments, Inc. (WI)

I am XXXX and on low income with social security. We have been receiving calls from Tri-State Repeat calls as harassment Lately, they call every few days. The message sounds like a robocall. We have asked them to stop calling, but they still do. 
They have started to leave a message saying they are collecting a debt since XXXX. However, they are supposed to send within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. They have not sent any written communication and it has been over a month now. 

We are retired and on low income. This includes high-pressure collection activity and lawsuits. We are requesting that they cease and desist communication with us, as well as my family and friends, concerning this and all other alleged debts they claim we owe.