davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (MO)

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-04-14
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I filed a complaint with Experian about a fraudulent account that was closed from XXXX  XXXX  for {$66.00}. This account was not mine I have sent information in to XXXX  XXXX  and they have responded by saying that they have no record of my account yet it's still on my report meanwhile the same closed XXXX  XXXX  {$66.00} account was showing on different bureaus reports they have been removed this XXXX  XXXX  is not my account XXXX  XXXX  doesn't even have information for me please take this from my Experian consumer report there is no record on file original documents saying that I opened this account and signed to open this account my signature is not on any XXXX  XXXX account
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (VA)

Forgery of XXXX certificates of my XXXX children XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) with the City of XXXX and XXXX XXXX XXXX for a mortgage loan at XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XXXX I requested that the dealer XXXX XXXX XXXX XXXX  and the finance company ( Credit Acceptance Inc. to not bully me an coerced me into signing a contract because of my competency level at that time of date for purchase.I am being pressured by the dealer and finance company to stretch my budget by the salesman who has over promised and under delivered on the agreement .Still know remorse with this situation from XXXX to present date ( XXXX ), refuse to show me the purchase contract with the retail installment sales contract to cancel, the dealer can cancel the contract once notifies them in ten days of purchase, whichinfact I again on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX to present.Gouging and swindling my credit score by their greed and selfish desire to profit, wealth an power.Being unethical by showing the willingness to act dishonestly in the return for money and personal gain has caused errors to appear on my credit while an knowing that I was under extreme drastic measures as I had tolded them, trying to destroy my credit by their greed unethical business practice.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XXXX XXXX, 2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (OR)

My carrier of the XXXX XXXX XXXX  delayed to pay my medical fee to XXXX XXXX. My carrier paid medical fee on XX/XX/2022. The debt collector issued the letter on XX/XX/2022. It looks like the letter from debt collector, ARStart went wrong. Please see the attached file of the EOB.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

My credit limit was decreased $ XXXX based on a delinquent payment on a different account. That was a error on my credit report. I have resolved the error and it has been removed from all 3 of my reports. The credit limit decrease was done based on an error in my credit report. Once the error was corrected and removed I was told by customer service that theres nothing they can do. 

Again my credit limit was decreased based on an error. Once the error was removed they wont discuss or reverse the decision even though its based on wrong information. The adverse action should not still apply if its based on wrong information
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Claim # XXXX This Complaint is against W. Fargo for denial of my claim for {$740.00}. W Fargo stated that these transactions were made by using my Card # and my Pin #. How XXXX  is this???? Of course this is true, because I have been experiencing Identity theft for 17 months, after W. Fargo allowed these identity thieves to have access to my accounts, after I had my accounts deactivated and disabled to prevent this. This is the fault only of W. Fargo. W. Fargo communicated with these identity thieves on a regular basis, as indications validate.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Fees accrue for late payment the day it is late - i.e. bill due XX/XX/XXXX, on XX/XX/XXXX late fee is applied. However, late fee is not added to balance until next billing statement, so you think you are paying full balance, but you have a late fee that hasn't shown on account yet, although it is already applied to account. So you think you have payed off card, but you still have a balance that is accruing interest - the late fee. Other cards I have, late fee is added to account when it is charged so if you pay your account late, you can pay late fee and be paid in full. In my opinion, this is done to accrue fees because many people don't get or see paper statements and do not realize they have a late fee accruing interest because you think you paid the account in full all be it late.
Consumer complaint received 2024-04-02
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: U.S. BANCORP (CO)

They stole the money from my US bank debit card on XX/XX/2024 I made the claim, I received some documents from them on XX/XX/2024 and I sent them via fax and they received them on XX/XX/2024 but That same day I received a letter informing me that they denied the claim. I called to ask and they told me that by mistake they sent that letter but that it is still under investigation, in XXXX I called and they said that it was still under investigation but today I called and they told me that the case was closed in XX/XX/2024.
Consumer complaint received 2022-04-14
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. (NY)

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential record and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possibleXXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I was steered into a prolonged period of general forbearance by my loan servicer ( FedLoan Servicing ) from XXXX of XXXX through XXXX of XXXX. My partner lost his job, cutting our available household income in half, but since we were not married, his loss of income did not lower my monthly IDR payment, and I was told that my only option was to go into forbearance if I could not afford my payment. The result is that I lost over 20 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XXXX of XXXX, but I still have two more years before I will be forgiven because of this bad advice to stay in a prolonged forbearance.
Consumer complaint received 2023-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (MA)

On Saturday, XX/XX/2023, around XXXXXXXX XXXX I found that all my SHIBA coins and ETH coin were gone/stolen without my authorization. I have no ideas how this happened. 
I have tried to reach the Trust Wallet support but they didn't reply to me. Only an AI is available.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF EDXXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$610.00} - Date Opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$890.00} - Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Remove all late payment history from XXXX XXXX XXXX account # XXXX XXXXXXXX because the late payment history is inaccurate and reports differently on all 3 bureaus XXXX XXXX  shows XX/XX/2018 paid on time, XXXX XX/XX/2018 paid on time, XXXX XX/XX/2018 show 30 days past due.
Consumer complaint received 2022-04-14
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. (CA)

In accordance with the Fair Credit Reporting act the following companies have 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 an account without my written instructions.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXXXXXX 5.XXXX XXXX 6.XXXX XXXX 7XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX 10.XXXX XXXX 11.XXXX XXXX 12.XXXX  13.XXXX XXXX XXXXXXXX 14.XXXX XXXX 15. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-02-01
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. (NC)

On XX/XX/XXXX I sent a letter to Equifax, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX could not verify the account with the third party collector to be valid so they removed the item. Equifax and XXXX  responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but Equifax, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-12-08
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: Westlake Services, LLC (FL)

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
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 — Account status incorrect
Company: EQUIFAX, INC. (MO)

I am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA,30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized : US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Balance : {$0.00}
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (WA)

We made numerous payments & then we let them know we can't afford this an we wasn't told we were getting into a financial matter as truly being responsible for a property we would never use or understood the structure I felt we spent over 1000s of dollars for us to have a amount {$3900.00} owed when they explained to us the property would be sold an wiped out for the price being sold after signed documents which we did. I was also only XXXX at the time in XXXX just walking down the street with my lady friend when we were pulled an told for a quick 15 minute video watch we could receive free stuff which is no problem but it seemed weird when we said we wasn't married an they told us to put we were.
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 — Account status incorrect
Company: EQUIFAX, INC. (MO)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020