davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: Experian Information Solutions Inc. (ID)

In XXXX these two charges were processed on a XXXXXXXX XXXX credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because XXXX XXXX  did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from XXXXXXXX XXXX notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. 

Upon receipt of the letter, I called XXXX XXXX  to pay off the card and, again, close the account. I also explained the situation, asking if XXXX XXXX could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe XXXXXXXX XXXX  does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all 3 bureaus. 

Experian just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to Experian that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because XXXX Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. 

My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of XXXXXXXX XXXX  to close my account as requested and subsequently failing to notify me that charges existed on this card.
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (MI)

XXXX XXXX sent my information to a Debt Collector claiming that I defaulted on a lease for {$1500.00}. On X/XX/17 I called both the debt collector and XXXX XXXX and got no response and no return phone call. I have never leased anything with XXXX. I have never even heard of this company until today. After doing some research I found that they do leasing for XXXX and XXXX, neither of which have I ever leased anything through. I decided I should file a complaint as it seems that I 'm not the first person to have this happen.
Consumer complaint received 2022-12-16
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: Convergent Resources, Inc. (MI)

This account is not mine. This is fraudulent I have never in my life lived in XXXX  I am a XXXX XXXX and I'm only XXXX XXXX XXXX in college at XXXX XXXX XXXX I have no clue what this account is but it is fraudulent.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I have an erroneous charge on my Barclays credit card. It states I owe {$1200.00} for a convenience check and {$48.00} balance transfer fee charged in XXXX 2022. I did not activate the card or put any charges on it, nor did I use any convenience checks. I called, faxed, mailed ( twice, once certified mail ) my dispute and requested an investigation in XXXX and again in XXXX since no response. I also submitted a dispute online. The phone calls went no where. They kept transferring me to other departments and putting me on hold and then hanging up. Its been month and I have not heard back from the company at all, and my credit score has been lowered because of it.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$970.00} XXXXXXXX XXXX XXXX XXXX / {$0.00}
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL INC (AZ)

Coast Professional , Inc is a debt collector. In late XXXX they falsely reported a debt on my credit report. It took me over 12 months to get Coast Professional , Inc to  deleted the debt from the 3 credit bureaus. They finally took it off when I involved the State of Arizona, Department of Financial Institutions and the Arizona Attorney General. 
On XXXX/XXXX/XXXX they responded to the State of Arizona, Department of Financial Institutions and on XXXX/XXXX/XXXX they responded to the Office of the Arizona Attorney General that on XXXX/XXXX/XXXX they requested all credit reporting bureaus to update and remove the reported information by Coast. However, their inquires still remain. I have again started the process for them to rectify their mistake and removing any/all inquiries yet I have gotten nowhere and now for the past 12 months I have continued to use my time rectifying Coast Professionals mistake.
Consumer complaint received 2024-02-15
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. (VA)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CO)

I have continued to have trouble with making my payments with Money Lion. My trouble has been because I can either pay the loan in full or I am forced to call them and they are impossible to get a hold of. I needed to switch my payment card number because I had a new card. It was impossible to get a hold of anyone to change my payment info. I emailed them on XX/XX/XXXX and was able to change my payment info finally on XX/XX/XXXX. Once I got a hold of them I made all payments and the account was brought current XX/XX/XXXX. Since the payments on XX/XX/XXXX they have had my current and new payment info and have not taken the payments out when they were suppose to.
Consumer complaint received 2017-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (CA)

On XXXX/XXXX/XXXX, I purchased an XXXX washer appliance from XXXX XXXX store, XXXX, California. The customer service representative who served me stated I could pay a portion of the purchase price in store and the remaining balance on an installment plan with a XXXX approved outside financing agency. I agreed to said promotion and paid {$260.00} in store with the agreement I would then be charged 5 additional payments of {$44.00} per month for the remaining balance, with the total amount paid equaling {$480.00}. The 5 monthly payments were paid in full. However, the month succeeding the 5th payment XXXX XXXX XXXX, I was charged a sixth payment of {$44.00}. Upon contacting the leasing company ( WhynotleaseitXXXX ), I was informed my lease was not a lease to own and that if I wished to purchase my appliance, I would need to pay the residual balance of {$140.00} in addition to the next installment payment of {$44.00}. This would bring the total paid to {$710.00} for the appliance with a cash price of {$480.00}. In addition, I was informed I could continue to pay the lease fee for an additional 12 months, after which time, I would need to return the item to the creditor. In total, I will have paid the company 147.16 % of the retail purchase price of the appliance. I believe this company is engaging in deceptive practices by not explicitly disclosing that you are agreeing to a lease without ownership at the point of purchase. Furthermore, the company does not inform you of the option to purchase your item at the end of the 5 payment period, instead opting to continue automatically charging your payment account without notice.
Consumer complaint received 2015-09-28
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (CA)

I applied for a card from paypal prepaid XXXX ( issued by XXXX ) and was indeed issued a card. However, when I went to activate the card online, I was informed there was a problem with my account and directed to call customer svc. The woman on the phone told me that I was not eligible for an account with them and when I asked for a reason I was told " we can not give a reason ''. I asked whom I could contact for a reason but was told that no reason can be given and I can not contact anyone who can tell me why I was declined.
Consumer complaint received 2022-03-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (CT)

I have received three emails over the past 2 months from Santander Bank assuming that I am a customer and directing me to login to access my account. The emails are legitimate and not spoofed. However I am NOT nor have I ever been their client. I checked my credit report for any unauthorized accounts and nothing shows up so far. I called the bank and explained the situation and they couldnt find an account either. They said to simply ignore the email which I tried after the first two messages.

This is unnerving and I consider it harassment at this point. I request that this matter be investigated and brought to a definitive conclusion so that I stop receiving these inaccurate communications.
Consumer complaint received 2022-03-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Identify theft my ex kept my information use it to make a loan with XXXX he was helping me to repair my credit. 

XXXX XXXX # XXXX {$7500.00}
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

CFPB complaint file numbers : XXXX, XXXX It has been more than 30 days now. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I want and demand the following accounts removed from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

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. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
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. (WV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2023-07-19
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. (CT)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I CHECKED MY CREDIT REPORT AND NOTICED INQUIRIES THAT DONT BELONG TO ME. I MAILED DOCUMENTS TO THE BURAEU 'S SEVERAL TIMES. THEY KEEP SAY IS FACTUAL. I TOLD THEM IT'S FRAUD AND THEY WANT REMOVE THEM.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

There are 2 account being reported inaccurate on my credit report the first is and old XXXX account that was a fraud case. I have sent information to Experian repeatedly about this account but they refuse to delete account even though I have repeated documentation showing that I was a victim of fraud. The account in question was settled with XXXX and suppose to be removed. The account was remove from the other 2 CRA 's after submitting documents but Experian reuses, even after filing a prior dispute with CFPB the lied and said account no longer appears on credit report. That was a complete lie and false statement to me and CFPB the account still appears and in fact the made it worst by stating account not paid. Which is false statement. The account was paid and settled. In 2014 during a purchase of a home the loan officer ask for my documents in response to that account. He submitted them and account was changed to paid/written off, but the account was suppose to be removed per letter from XXXX for forgiveness. Documentation has been attached to prove case. There also is a medical collection account that was paid by workers comp XXXX XXXX I sustain at work. I am not liable for this since account was workers comp and paid by workers comp. I have attached 2 statements one a bill showing bill paid and another showing insurance paid because workers comp reimbursed insurance payments. Somehow this keeps coming back as verified even though I have repeated asked for Experian to show me documentation that the investigated and who verified 2 inaccurate accounts. I have still to date not received that information from Experian and they refuse to remove inaccurate information.