davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} - Collection
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-24
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)

there was XXXX  opened for XXXX XXXX XXXX i nvere even seen the card used the card nothing i disputed it fraud several times XXXX XXXX telling me its mine it is not i XXXX  credit freeze on my account so there for it is not mine they refuse to remove the account also they keep XXXX reports on my credit report
Consumer complaint received 2022-10-27
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF EDUC XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (TX)

This is 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 have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the date they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This account should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$6800.00}.
Consumer complaint received 2024-02-15
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (IA)

Hello I have received a {$25.00} Vanilla Gift Card as a gift years ago. Considering the fact that money does not expire, I had no urgency to use it until recently. I now notice that there are multiple fraudelent transactions on my account. Please note, I researched Vanilla Gift Cards and I see many people are losing money with this company. There are multiple horrible reviews and stories on the consumbe reports. 
I have tried working with them on re imbursing the money that I feel like was stolen from me. 
I sent them a request on XXXX XXXX. Sent them another request and for an update on XX/XX/2022 and another one on XX/XX/2022 only to be ignored by them. 

This is absolutely unprofessional and unethical. I am not sure how this company is still allowed to sell gift cards. 

Please reimburse the money that was stole from me. 
Sincerely XXXX XXXX
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (MD)

This company negligently allowed my credit card account ( ending XXXX ) data to be exposed to online criminals. Whereas the account was attacked and approximately {$700.00} USD was fraudulently charged. 
The card held a {$0.00} balance at the beginning of the year 2022 and fraudulent charges were made in the month of XXXX and continued into the month of XXXX. 
I notified the company 's fraud department of the incident and a new credit card was issued. However, after review of the card 's dashboard, fraudulent debt was transferred to the new account and additional fraudulent charges are present. 
At this time, company is refusing to allow me access to a detailed report of charges dating back to the beginning of the year- which would prove that fraudulent activities occurred. 
They are expecting payments on a current balance of {$350.00} So far, the company 's appears to be giving me runarounds and disconnecting calls.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. Remove the following account for reporting inaccurately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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 XXXX XXXX contacted TransUnion on XX/XX/2021, I spoke to multiple employees as well as supervisors, regarding the fraudulent, inaccurate reporting on my credit report. Transunion knowingly and willingly broke the law regarding the written consent that I did not authorize. Nor did I give TransUnion the authority to furnish ANYTHING on my credit report, it is a direct violation of 15USC 1682 ( b ).

Pursuant to 15 U.S. Code 1681 ( n ) Transunion willfully failed to comply with the requirements imposed within the chapter and is civically liable for knowing noncompliance.
Consumer complaint received 2022-05-17
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: Lewis, McDonnell & Associates (KY)

On XX/XX/XXXX, I became aware of an account that was opened with the fraudulent use of my name and SSN. This account originated at XXXX XXXX XXXX in XXXX XXXX XXXX, Nevada, as a lease agreement with the owner of the account being XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX. The original account number was XXXX, opened on XXXX, XXXX. This account was purchased by Lewis, McDonnell and Associates on XX/XX/XXXX, and the account number was changed to XXXX. Because I was not, and have never been, associated with the address and phone number used by the person opening the account, I didn't know anything about it until it showed up on my credit report. I have had an active fraud alert on my credit reports since XXXX, XXXX, as well as a credit freeze, so it is apparent that no credit check was run. I initiated a dispute with XXXX on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. I also notified Lewis, McDonnell and Associates that this account stemmed from identity theft. I have filed a police report as well, and will be sending copies of that along with proof of identity and residence to Lewis, McDonnell and Associates, XXXX, and XXXX.
Consumer complaint received 2022-05-17
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)

I have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously
Consumer complaint received 2022-03-24
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (IL)

i called three years ago that i lost my card no one answered me only when i was put in the Collection Agencies i call them and i offered {$170.00} one time pay and they refused what i should do Thanks XXXX XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

I just saw this DEBT BUYING company is constantly updating on my credit report. I sent LVNV a debt validation letter by way of the credit bureaus I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Florida ( 10 ). Proof they are who they claim. They did not respond, so their account has to be deleted due to the violation and i asked for a cease and desist phone calls and letters. they are still contacting me ( violation 1 ) now its XXXX of XXXX, they sent me another letter by way of a process server. ( violation 2 ) Not only were they unsuccessful in serving me, they served my UNDERAGED nephew that was visiting my home. ( violation 3 ) They never sent me a dunning letter to begin with. ( Violation 4 ) This company is illegally soft pulling my credit report. 

They are in violation of the FDCPA ; i will be filing a compliant with the FTC, XXXX, AG, and others.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlockFi Inc (CA)

My BlockFi account was used in a fraudulent manner. Despite numerous attempts and trying to communicate with this company this company has done absolutely nothing but denied my request for a credit in the amount of {$9300.00}. 
This transaction was done in a state of Nevada I was never in the Nevada when the transaction was done. 
The company claimed that an investigation was done any and if I wanted the the findings. 
I requested the findings and they were never provided to me.
Consumer complaint received 2022-03-24
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In XXXX of XXXX, I made a payment on my credit card for the remaining amount owed. Between the time my payment was submitted and actually hit my card, there was an interest charge that had occurred. I never received documentation about an interest charge in the month of XXXX or in XXXX Not until XX/XX/XXXX did I see things hit my credit report when I went to go pull a annual credit report. I called Capital One to address this issue and the FIRST account manager I got asked me right away if I was calling about the error on my account. She explained to me that it was an error on there end and somehow between me making the final payment and the interest showing up on my account it was simply a misunderstanding and that not only would she be crediting my account to remove the interest but she would also be notifying the credit bureaus to make the change to my credit report. I thanked her and asked when I might see this change. She stated that it could take up to 30 days to see the change. That was in XXXX of this year, now it is XXXX. I still don't see an update made, I have dispute it with all XXXX bureaus and I have spoke to several account managers and supervisors at Capital One that continue to advise me that they have sent it to be updated. I was advised by a loan officer to call again last week and ask to get some documentation from Capital One that I could submit to the credit bureaus. The last woman I spoke to said she would send something over. It came over in a docu sign with incorrect dates. Now I can't seem to open the file again. I called back again today to discuss and get the file updated with the accurate information and the supervisor I spoke with not only was rude, but told me that there were NO NOTES in the system of my issue or ANY of my calls since XXXX dealing with this issue. I have several accounts with Capital One and they have been positive. I have NO reason to fall behind in payments. I have a great job and have been working really hard to make sure my credit stays in a good place. I don't understand how such a big company like Capital One wants to treat a consumer as such. Word of mouth is the biggest marketing tool. All I want is for my credit reports to be updated and in good standing. I literally just opened another account and deposited thousands of dollars into it with Capital One. If I need to take my business somewhere else I will. This is so sad to me to have to even file this complaint at this point and to find out that Capital One staff aren't even keeping notes on the accounts when they speak to customers. I really hope someone can help to resolve this issue immediately. I am a XXXX  mom to XXXX children and I work my XXXX off for them and I am trying really hard to show them what hard work can do when you do the right thing and are financially smart about it all. PLEASE HELP .....
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have reached out to the XXXX over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.
Consumer complaint received 2021-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc. (GA)

Hello, I have been making small payments to my defaulted student loan though XXXX since XX/XX/XXXX and wanted to repay in full the existing balance. Up until today XX/XX/XXXX the website showed that my balance was XXXX ( XXXX principal XXXX interest ) The last time I logged in before today was Saturday XX/XX/XXXX. Since XX/XX/XXXX there is a new field " Projected PCA Fee '' in the balance spreadsheet on myeddebt.ed.gov that was not there before today. I have a screenshot from XX/XX/XXXX of how the website looked, the presentation from a year ago has changed and it is apparent that the " Projected PCA Fee '' was not included in the balance. The " Projected PCA Fee '' disputed is for XXXX. My issue is that this fee was not stated before and in order to repay the loan amount through the website I would have to pay this fee that appeared without prior notice. When I called the collections agency " National Credit Services '' of XXXX, WA today, they said I would have to pay this fee to satisfy the amount but I was not made aware of it through the government website myeddebt.ed.gov until I logged in today. They also stated that the last mail they sent that would have this information was sent in XXXX. By the end of the call, the offered to " start a settlement '' and that the loan would still not be considered " paid in full '' I ended the call without starting the settlement. I have included two screenshots, one of the old format of displaying the balance from XX/XX/XXXX and one from today with the " Projected PCA Fee '' included in the matrix.
Consumer complaint received 2022-03-24
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. (CA)

On XX/XX/22 I wrote a letter regarding inaccurate and unknown accounts on my consumer reports. They responded back saying the accounts were verified, never explained or showed proof on how they verified these account. I have not enter into any consumer contract with these companies with XXXX XXXX XXXX # XXXX nor XXXX  XXXX XXXX. XXXX is in violation of 15 USC 1681 this account is not accurate, they also my right as a consumer to privacy 15 USC 1681 ( a ) ( 4 ) I demand both of these accounts be deleted immediately or I will file ligation due to stress