davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
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: Experian Information Solutions Inc. (CA)

" " '' I have disputed this collection on this XXXX XXXX & XXXX  XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I received my Sony/Comenity Bank XX/XX/XXXX statement, which showed a balance due of {$1100.00}. I always pay my balance due IN FULL and on XX/XX/XXXX I paid this balance online, from my primary checking account and THE PAYMENT WAS TRANSMITTED to Comenity Bank, as reflected on my XX/XX/XXXX bank statement. 
When I received my XX/XX/XXXX statement, it showed a previous balance due of {$1100.00}, which I knew to be incorrect, as the payment had been transmitted by my bank to Comenity bank, as was my custom and practice. 
After researching everything and confirming payment had been sent, in a timely manner, I contacted Comenity by phone and spoke with an Account Specialist named XXXX and was given a reference XXXX XXXX  She told me due to a system upgrade, payments had not posted properly. I assumed that they would follow up on my complaint, find my payment and resolve the issue. 
Unfortunately, that has not been the case. When I received my XX/XX/XXXX statement it continued to show the PAST DUE BALANCE, which was accruing interest and late penalties. 

I called customer service AGAIN and was told to provide them with the Trace ID number from my bank, for the payment transfer from my bank, which I did, that number is : XXXX Despite my documentation and repeated efforts, I continue to receive statements that show a balance forward, which includes the misappropriated payment, plus accrued interest and penalties. 

Frustrated that this wasnt getting corrected, on XX/XX/XXXX I sent a letter to the company detailing the issue, my unsuccessful efforts to correct the problem, provided DOCUMENTATION ( bank statement showing the payment, tracing documents showing the transfer to Comenity with internal tracking numbers. 
On XX/XX/XXXX Comenity responded, by mail, acknowledging receipt of my claim, assuring me that they were researching it. It said to allow them 90 days to complete their investigation, which Ive done. 
Ive waited patiently for this to be resolved, but every month I receive a statement reflecting the outstanding balance, with accrued interest. Ive contacted them repeatedly by phone, expressing my concerns about this being reported to the credit reporting agencies, negatively impacting my superb credit history and they have repeatedly assured me it isnt being reported. 
I just received my XX/XX/XXXX statement, which continues to show a previous balance due of {$1400.00}, which consists of my original charges/payment of {$1100.00} XXXX {$360.00} in interest and penalties. 

This has gone on for more than 8 months now. Ive given them PROOF OF PAYMENT, theyve had my money since XX/XX/XXXX and this needs to be resolved ASAP, so I can close this account and be done with this company!!
Consumer complaint received 2022-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MO)

On XX/XX/XXXX, I placed an order on XXXX for a starter and related auto parts on order XXXX, I also placed order XXXX for additional parts for the starter. I took advantage of the Affirm offer of monthly installments for about XXXX per month in order to pay for these items. Affirm loan details are below : Loan Amount : {$100.00} TOTAL INTEREST ( 22.53 % APR ) : {$3.00} TOTAL OF PAYMENTS : {$100.00} LOAN ID : XXXX Because I returned all these items back to XXXX, I did not make any payments to the above loan. I have disputed this loan at least three times, with Affirm and I have provided the proof of the returns to XXXX. Nonetheless, Affirm keeps this account open and has filed a late payment report to the credit bureaus that has affected my perfect payment history for over 20 years!!! Affirm will not close this account and has asked me to pay the account in full during the investigation but there should be no investigation because I provided them with the information they need to confirm the items have been returned and close the account. Instead, they continue to attempt to collect on the account and have again, reported this incorrect information to the credit bureaus about this open account which now appears to be fraudulent!
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: DFC Global Corp. (FL)

My name is XXXX XXXX. My XXXX XXXX checking account number is XXXX. In XX/XX/XXXX, I applied for payday loan for {$1000.00} at The Check Cashing Store store # : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . The first payment was paid on XX/XX/XXXX in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. On XXXX XXXX the second payment was paid in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. On XX/XX/XXXX the third payment was paid in the amount of {$330.00} in person at the following location : The Checking Cashing Store XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XX/XX/XXXX, the four payment was paid in the amount of in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. I was told I only made one payment on the loan however, I made four payment towards the payday loan.
Consumer complaint received 2018-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (TN)

Yes I borrowed {$600.00} and had to make 12 payments of XXXX every other week on my payday which they automatic took from my checking account. I made the last payment of XX/XX/XXXX. I missed 1 payment in XXXX because I was out sick and did not draw a full check so the payment was returned but the payments resumed after that one missed payment. I called on XX/XX/XXXX to try and pay the final balance and they told me I owe them over XXXX dollars. I asked them how and I only had 1 payment left plus the missed payment. They told me they are charging me over XXXX a day on the missed payment. The final payment came out on XX/XX/XXXX now the are saying I owe them over XXXX because of 1 missed payment. I have already given them XXXX. I think it is a shame they are trying to collect almost XXXX for 1 missed payment of XXXX. I will like to report this to someone and make people aware of what they do to people.
Consumer complaint received 2023-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I submitted a proper ECF for public service loan forgiveness on XX/XX/2022. The ECF was denied and I was never given a reason why. Had the ECF been approved I would have had over 120 qualifying payments for PSLF. My lender, Mohela will provide no explanation for the denial.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

On XX/XX/2018 i tried submitting dispute with Equifax relating an issue they reporting on credit report they could not identify me because they base your identity on fraudelent information if these accounts are fraud how are they suppose to identify me if it was not done by me this is the reason Im disputing them. however XXXX XXXX investigated and erased this from my credit report why is Equifax still showing this as owed if is not mine im very fustrated and will be taking legal action against Equifax.
Consumer complaint received 2024-02-08
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. (SC)

Experian has failed in their obligation to limit furnishing on a consumer report with verification of verifiable documentation of written instructions of whom the consumer relates I am asking for verifiable documentation of written instructions of whom the consumer relates 15 USC 1681e compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 USC 1681i Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-12-23
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. (NY)

XXXX ) XXXX XXXXXXXX XXXX Account XXXX Must be deleted XXXX ) XXXX XXXX XXXX XXXX Account XXXX Must be deleted These are Fraudulent accounts are reporting on my Equifax credit report for more than Ten years. By law, credit bureaus are only allowed to list negative items for only 7 years. These accounts Must be DELETED NOW.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC (FL)

On XX/XX/2019, a collection was wrongfully and unknowingly opened on my credit account with a balance of {$490.00} by MS SERVICES, LLC. I contacted the creditor, XXXX XXXX XXXX XXXX, about the situation and they told me they had no such account under my name/information. I then reported it to XX/XX/XXXX only to be told that the " Disputed information was verified as accurate '', which is false because I have never had an account with XXXX XXXX XXXX XXXX or MS Services LLC. I then found that MS Services LLC has had a history of incorrectly putting collections on credit accounts and refusing to give information/giving false information about the accounts and debts owed to the individuals it has affected.
Consumer complaint received 2018-12-26
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. (OH)

Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.
Consumer complaint received 2023-03-10
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a consumer reporting agency can not furnish a 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 seven years.

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.
Consumer complaint received 2018-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (TX)

I I have a complaint with the authorities today and updating this complaint. I have received an alleged debt on a date that I was at work!! I have emailed them a letter and sent via certified mail. This is clearly a false debt. I also enclosed my time card on the alleged dates of service. I am clearly being a victim of identity theft.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with transunion. looking at all the data on my file this has caused alot of denials. this issue needs to be resolved asap. this has been my 2nd attempt to notify the credit bureaus to review my file an update the list items needed to delete an XXXX my credit report. please remove all requested items in the files asap.
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (NC)

Ive been dealing with so much recently after I found out I was a victim of identity theft. I filed multiple disputes since XX/XX/2021 including 2 FTC identity theft reports and sent it to Experian to remove a fraudulent account on my credit report from XXXX XXXX XXXX. After they received my first letter, I was told that, my report was rejected because there was an error on the report and they couldnt see my name correctly. And I was told to send a new updated report. And so I did, After I sent in a new updated FTC identity theft report, they received it on XX/XX/2021. However when I called in, the representative on the phone told me that they had called FTC directly to validate the information and the FTC told them that my FTC report wasnt validated and so they could not remove or block the information. So I called the FTC directly and I was told by the representative there that the information given to me by Experian was a erroneous and that they dont validate anything with Experian so file a complaint against them with cfpb. And this my complaint. This erroneous information on my credit report is really hurting me and stopping me from getting credit and I really need Experian to step up and do their job correctly and remove the erroneous information on my credit report.
Consumer complaint received 2022-03-20
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-07-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION (CA)

I have not done any business with Allied Cash Advance since XXXX and the account I had at the time was included in my Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX. I have requested proof of the debt from XXXX XXXX XXXX XXXX  multiple times and they have not provided me with any such documentation nor were they able to provide me with any specific information as to date of the last transaction or the date of the original transaction. I also informed them, by phone, that I have not done business with Allied Cash Advance since XXXX and that any amount that was owed to that company was included in my Chapter XXXX Bankruptcy. They told me they couldnt provide me with any information and to contact Allied Cash Advance to obtain this information. When I contacted Allied Cash Advance they were unable to locate any account in collection. 
I contacted XXXX XXXX XXXX XXXX XXXXgain on XX/XX/XXXX and XX/XX/XXXX and told them to stop contacting me at my place of employment and on my cell phone.
Consumer complaint received 2022-03-20
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. (MO)

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

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of XXXX  On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

I tried to to dispute transactions made with the XXXX app connected to my Chase bank account. Bank didn't want to dispute transactions because they went through and didn't see them as fraudulent. 
I was asking for 5 transactions to be cancelled 3 of them were for {$1000.00} one for {$950.00} and one for {$400.00} which adds up to {$4300.00}.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Hello, I recently received a letter stating my Fifth Third bank account is being permanently closed after someone stole an excess of {$800.00} from me. For reference, I sold a game system, and someone off of a local marketplace offered to pay above the listing price for {$1000.00}. Turns out, the Money Order was fraudulent, and my bank account is negative more than {$400000.00}. I messaged Fifth Third through the app once I was made aware of the negative balance, and was then locked out of my account. After waiting until XXXX, I called and was informed I would not be liable for the large negative amount in my checking and savings, and that by a XXXX representative my bank account relationship will not be closed. So my question is this, what time of miscommunication XXXX is going on? I'm XXXX, a XXXX XXXX, and I'm raising a XXXX XXXX-year-old. I truly, truly do not have time for your XXXX. Furthermore, I received a letter stating that I owe Fifth Third around {$15.00} for a fraudulent deposit, which I was a victim of and lost considerably more money than a company that has billions under management. Could you explain this to me where it can make sense? Also, pursuant to XXXX if you at all, furnish anything negative on my consumer credit report. I will take you to court. I understand mistakes happen but fix it.
Consumer complaint received 2024-02-08
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. (TX)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX XXXX XXXXCompliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX  stipulates that '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXX