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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I lodged a complaint against Experian, XXXX, and XXXX. The reason behind this action stemmed from my individual disputes with each of these credit bureaus in XX/XX/XXXX. At that time, I had informed them that I had fallen victim to identity theft that I noticed after being released from prison. Upon reviewing my credit reports, I noticed several items that were inaccurately attributed to me. Despite submitting my police report, identity theft report, and government-issued identification to support my claim, I did not receive any response from the credit bureaus. 

As a result of their lack of communication and action, on XX/XX/XXXX, I escalated the matter by filing a complaint with you. In my complaint, I requested that the credit bureaus provide evidence of their investigation into the disputed items. I also demanded that they either remove the erroneous entries from my credit report as mandated by law ( which I referenced in my complaint ) or substantiate the validity of these accounts by presenting supporting documents such as contracts or signatures within a specified timeframe of 15 days. While some deletions were observed on my credit report subsequently, I did not receive any formal response from the credit bureaus regarding the resolution of the dispute. 

On XX/XX/XXXX, I submitted another complaint against these three companies requesting once again the deletion of the disputed items within four days or proof be provided within 15 days. Despite noticing some deletions, there was still no response, and some items remained. 

On XX/XX/XXXX, XXXX responded to the original complaint from XX/XX/XXXX. They stated that they had contacted the furnisher of each disputed item, including XXXX ( XXXX XXXX XXXX ), First Premier, XXXX XXXX XXXX, and disputed inquiries and stated that these items were verified as being mine but unlike my XXXX prior requests and law states have not provided any proof regarding their investigation or how they were able to verify this debt. 

The lack of response on these remaining items could be a cause for concern and may require further follow-up with XXXX or the respective companies involved. Failure to do this will leave me no choice but to take legal action because they are suppose to verify each item reported prior to reporting, and I have the right to have each item validated and receive proof of each validation.
Consumer complaint received 2023-01-13
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. (FL)

In accordance with the Fair Credit Reporting act : XXXX ) XXXX XXXX XXXX Directory XXXX XXXX XXXX XXXX IL XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX / # XXXX Directory XXXX XXXX XXXX XXXX XXXX Tx 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX dir # XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fl XXXX ) XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ) XXXX XXXX  XXXX ... Dir # XXXX XXXX MI XXXX ) XXXX XXXX XXXX XXXX ... dir # XXXX XXXX NC XXXX ) XXXX XXXX XXXX XXXX dir # XXXX XXXX NC XXXX ) XXXX XXXX. XXXX dir # XXXX XXXX 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 an account without my written instructions of the consumer to whom it relates.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX ; XXXX - XX/XX/XXXX and XXXXXXXX XXXX - XX/XX/XXXX. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Consumer complaint received 2015-05-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NV)

American Express Centurion Bank has obtained a judgment against me in case XXXX on XXXX/XXXX/2010 in XXXX XXXX, CA XXXX Court. I do not have details as to facts they claim since I was never served and did not have such account. After I advised them that I was never served and I was victim of Identity Theft, they advised me that entire case is promptly going to be dismissed. However, case is continuing to show in my credit reports and in the records of the Court.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

On XX/XX/2023, I called what I thought was the Chime Customer Service Number, XXXX to inquire about missing {$420.00} in my checking account. I explained my concern to XXXX, and he stated that I needed to speak to a supervisor.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

I received notification via my credit monitoring service that I had a collection placed on my account. This dropped my score over XXXX points. I never received a notification of owing the debt or that I could dispute the debt. I requested verification of the debt and the only thing they sent me was a bill from XXXX. This debt was previously with another debt collection company and I contacted XXXX and they said I did not owe the debt. I communicated that to Southwest Credit Systems and they told me I owed the debt. I have only received 2 communications from them and that was after they reported my account to the credit bureaus. Additionally this account is from 2015 which is 7 years old but they are reporting it as if it was new.
Consumer complaint received 2022-09-08
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. (TX)

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current (CA)

I opened this account a few days ago and today i added this account through my employers payroll site XXXX  and linking mynvirtual card to XXXX  And just about half hour agoi received a few emails first stating my cards were restricted, then and email stating the closure of my account for suspicious activity. No specific reason was given. I attached and circled the reasoning why accountnwas closed.
Consumer complaint received 2024-02-15
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)

XXXX XXXX as a collection agency and original creditor XXXX XXXX are both reporting the same debt on my credit report. Both a debt buyer and the original creditor can be collecting on the same debt, especially if XXXX XXXX sold the debt to XXXX XXXX. Please delete both of these accounts from my credit report for incorrect reporting. this is double jeopardy.
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 — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-10-12
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC. (NC)

Without my express written or verbal consent XXXX altered the name on my account. Subsequently the incorrect information was passed on to other creditors, Navient and XXXX XXXX XXXX. It is causing extreme hardship attempting to update the name on my account.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

on XX/XX/XXXX, my account was temporarily limited, i submit the documents needed. then on XX/XX/XXXX, they restored my account, the same day they limited my account again for the second time, then i submit the documents they requested. they restored it again for the second time. on XX/XX/XXXX, I ask my client for the payment, i received the payment for the first time but it is on hold for 21days. because according to paypal. my account was new and need to have have 10 transaction and XXXX amount for the first 60 days, this is not the problem, i understand the policy, but it didnt take 21 days, after my first transaction. and they permanently limits my account. no dispute, no changes made on my account. Until now, i dont know what is wrong and what policy I didnt follow.
Consumer complaint received 2019-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported from XXXX account numbers # XXXX and # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2016. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX authorities about the possibility of fraudulent accounts being opened using my customer information. I begged everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still shown in my documentation since they had been " confirmed. '' This issue frightens and bothers me since it makes it impossible for my family and I to purchase a home. On XX/XX/XXXX, I called the XXXX businesses again to inquire about how they could verify that these accounts belonged to me. They advised me to contact the debt collectors directly because they were unable to assist me further. Every bank that the client called and left a message with had been dialed improperly ; they had no idea who I was or what the accounts were about. I checked the internet to make sure I hadn't made a mistake. My friends recommended me to go to the CFPB website. I'm hopeful this will work because my family and I are eager to buy the house we've been looking for.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been attempting to upload my FTC report and supporting documents to Experian.com/upload which is a provided method of uploading by Experian but I continue to get an error messages which does not allow me to upload. 
I am requesting the deletion of personal information such as names as my name is XXXX XXXX XXXX, and this is the way my name is on my New Jersey State License. I only want one variation of my name reporting on my consumer report. Also, there is a spelling that is inaccurate, not mine, and may be identity theft because there are also inquiries that I did not consent to. There are inaccurate non mailable addresses reporting that Must be deleted. 
The account by XXXX. XXXX is fraudulent and must be deleted immediately. I have attached my FTC report, Letter and ID with the inaccurate fraudulent information that must be deleted.
Consumer complaint received 2019-11-20
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: CARRINGTON MORTGAGE SERVICES, LLC (GA)

In XX/XX/XXXX I updated my banking account details with Carrington Mortgage that were saved on their third-party payment processing website, XXXX. In XX/XX/XXXX, I submitted a dispute with Carrington Mortgage because their website did not process my payment according to the new banking information but instead reverted back to the saved information causing my payment to be late. Carrington acknowledged their error and suppressed my credit reporting for XX/XX/XXXX. I have used the same stored banking information until XXXX of XXXX when I updated my account details again on XX/XX/XXXX. 
The same thing occurred where my new information was not used, but the stored information was used and caused my payment to be returned and thus reported 30 days late. This time, Carrington outright refused to suppress my credit report and responded to my multiple disputes with inaccurate information regarding my banking details ie referring to a XXXX  XXXX XXXX account that I did not have open when my XXXX payment was made. They have also refused to share any documentation received from XXXX detailing my activity on their website the day in question. I am demanding Carrington fix the error with my credit report as my payment was made on-time and wasn't my fault that their third party website for payment processing has a known glitch which they acknowledged in XXXX of XXXX. After a year, they are now stating that they made an error in XXXX and there was no known glitch. I have a letter from Carrington that ackowledges a known error with XXXX dated XX/XX/XXXX.
Consumer complaint received 2023-07-31
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: CREDIT ACCEPTANCE CORPORATION (MD)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account plan as an open and consumer credit plan as LATE for any purpose.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries.

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

The issue is that Mohela customer service is unavailable to speak with me or provide me timely written communication due to overwhelming volume of those seeking XXXX. I myself requested XXXX from Mohela and I also have a specific request for XXXX. I submitted my XXXX  Application to Mohela, so I am confident that will be resolved. However, it is important that Mohela hear me and take my specific request, which they haven't been able to do, so that leaves me very worried. 

I am very worried that the {$20000.00} Debt Relief will be applied to 2 loans I have from XXXX. My XXXX Application shows that I have 9 years of public service toward the ultimate " forgiveness '' of those 2 loans from XXXX. So, as a result I do not want the {$20000.00} Debt Relef applied toward those two loans, I have several other loans from XXXX - XXXX which should have that Relief applied. 

I have submitted to Mohela in two occasions 1 ) the XXXX  Application for the loans from XXXX on XX/XX/XXXX and 2 ) a letter on XX/XX/XXXX explaining that I intend that Debt Relief not be applied toward the XXXX loans from XXXX for which I requested XXXX. 

My only hope is that Mohela takes these requests and processes them correctly before application of Debt Relief, because the prospect of having to undo Debt Relief on the 2 loans from XXXX and then having Debt Relief retroactively applied sounds like a nightmare.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX  credit report said I had an 84 % chance of getting the XXXX XXXX 0 % card for 15 months with XXXX XXXX, they did the old bait and switch ( XXXX XXXXXXXX ) declined for that card, but offered a card with XXXX credit limit at 30 % which i did not apply for. THE OLD BAIT AND SWITCH!!! Thank You