davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (KY)

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$350.00}
Consumer complaint received 2022-05-13
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)

The credit inquiries on my credit report are not mine, inaccurate information is being reported on my credit report and Experian, XXXX and XXXX have all neglected and refused to remove false information being reported under my name. Someone else whom I am unaware of has used my information without my permission and knowledge. I have also contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX directly as advised by the credit bureau and also the companies themselves have made it impossible to get the fraudulent information removed from my credit report.
Consumer complaint received 2022-03-24
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. (MI)

To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NH)

in response to you're company from the letter you have sent, and a pile of statements showing from synchrony bank. under the fair debt collection practices act ( FDCPA ) its unlawful to design compile and furnish any form knowing such form would be used and create a false belief in a consumer. that a person other then a creditor of such consumer is participating in a collection of or an attempt to collect a debt. such consumer allegedly owes such creditor when in fact such person is not such participating. ( reference 15 usc 1692 j ( a ) ) XXXX XXXX XXXX is making a belief that the company is collecting for Synchrony Bank by sending alleged statements when in fact if the creditor was in attempt to collect a alleged debt they would not have sold out the debt to XXXX XXXX XXXX. 

please provide and produce the following! 
.a contract that i have with XXXX XXXX XXXX to show i have any business to discuss. 
.total amount the Debt was sold for .audit trail for full accounting on and off ledger. 
.Name and address of the original creditor
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (UT)

XXXX XXXX SELF LENDER is a predatory scam. They represented themselves as a credit rebuilding program where you can deposit monthly into a account & once your funding goal was met, they issue you a secured card for that amount. No where did they say that I could not opt out if the deposit amount was unmanageable, nor did they state that it would report negatively on my credit report. I emailed to close the account, and received no response & now I have them on my credit report as a derogatory mark for a closed " secured loan '' that was closed with financing that I had deposited myself. In short, they represented themselves to rebuild credit, then became unreachable, took my first months payment then marked me late for two months with no response & kept my money when they close the account.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

This is not a duplicate complaint. In a prior complaint, XXXX inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. XXXX responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, XXXX is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to Experian. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX. Experian 's system does not allow me to dispute this issue since I disputed it the first time this occurred and experian thinks this is a duplicative dispute, which it is not. XXXX previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for XXXX, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at XXXX that affects numerous consumers besides myself.
Consumer complaint received 2023-07-18
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. (NY)

there are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I made a purchase on the store " XXXX '' for {$480.00} The merchant never sent the items bought and after a few weeks they close the shop and also the phone number and email contacts. The closed all the business leaving me without the goods.I subtmit a claim to my bank but they never requested me more information about the case also never informed me the status. 
Now 2 days ago I can see that the credit was reversed and the calim was denied without any explanation.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

I started to invest in this crypto mining thing. everything was going good, but one day, the app suppose to have a pledge, where you could put your money on it and you will have to reach certain goal to earn a price, but the goal was to high for me and the money that I had there, so, somehow with out my authorization my money end up entering that pledge and due I couldn't complete the task, they said that I will lose the money that " I put '' on the pledge, this pledge finished this last XX/XX/XXXX, but it seems that my money is gone and nobody answer on the customer chat or emails or calls. 
The link of this mining node is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just want the money that I lost back, and try to avoid more people got scammed like me. 

I made a transfer for {$2400.00} USD on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXCoinbase Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX This is the bank info Coinbase Inc XXXX XXXX XXXX XXXX XXXX United States California XXXX Routing number XXXX Bank name XXXX XXXX XXXX  Account number... XXXX
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)

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.I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever , they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular SYNCB/OLD NAVY account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (WA)

I was away on XXXX XXXX when this was charged to my account, when I noticed my credit declining I decided to look into it more and noticed it was decreasing due to the amount of {$370.00} sitting in collections for me to pay. I instantly called XXXX sometime late last year after being released from military orders and I explained to the them this information and how I share the same name as my grandmother in case there was any confusion given that this is a medical bill and shes older and because I was on XXXX XXXX XXXX  all my medical would go through the military hospital and would be fully covered. They attempted to dispute this charge. I just found out this morning that this collection is back at AARGON Collection Agency so I called them back. They told me to either go to the police and tell them its fraud or pay it so my credit can go back to normal. I do not know what else to do, but it is ruining my credit and just want to get this resolved.
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I had the loan since XXXX with payment of {$530.00} monthly and still paying on the loan in XXXX because interest rate is higher than the legal amount. Interest rate is 23 % which only knocking off a couple hundreds a yr. I had a deferment not knowing it made my interest rate go up higher than on the original loan
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I bank with Wells Fargo NA. I have had accounting discrepancies starting XX/XX/XXXX for  {$200.00}. I kept having discrepancies XX/XX/XXXX for {$1500.00} ; XX/XX/XXXX for {$380.00} ; XX/XX/XXXX for {$500.00}. On XX/XX/XXXX, I adjusted my account {$280.00} dollars to reflect what the bank had. I then had discrepancies on XX/XX/XXXX for {$320.00}. Then on XX/XX/XXXX for {$240.00} ; XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00}. OnXX/XX/XXXX a difference of {$300.00}. On XX/XX/XXXX, I again adjusted my account {$320.00} to reflect the banks numbers. On XX/XX/XXXX, right after adjustment, I had another {$100.00} difference! I then went into the bank on XX/XX/XXXX to talk to a banker about the problem. Her name was XXXX in XXXX, Nevada. We both had the same numbers, but she could only spend time to do 1 months worth of ledger. I have copied all my ledgers from XX/XX/XXXX to XX/XX/XXXX. I feel that I am out around {$750.00} to {$850.00} dollars. I will need to send the ledger copies to you! I have 5 sets of 20 pages. I have a mortgage with Wells Fargo.
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

I have been reaching out to remove a bankruptcy from my credit report for several months now. The company in question, Lexis Nexis, has falsified information as to how they received access to this information, violating the law as a result, and asked them to do the right thing by removing this information from their record, and I have yet to have received a response in over a month. This inconvenience has had a major impact on my life and ability to apply for anything credit related, and I want this removed ASAP.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE FIRM, INC., THE (FL)

On XX/XX/XXXX I opened a case with CFPB ( Case XXXX ) against The Mortgage Firm , Inc. in which they responded on XX/XX/XXXX and stated they made an error but it would be corrected within 30 days. It has now been way more than 30 days and they still have not corrected the issue. The issue being, that loan modification documents were to have been sent to us last XXXX, XXXX and it has been more than seven months and they still have not sent the new loan modification documents even though they were approved back in XXXX, XXXX. Furthermore, I found out on XX/XX/XXXX from a customer care agent that The Mortgage Firm had made another error in XXXX, XXXX and that is why we still do not have our loan modification documents even after our last CFPB case was opened and closed. The customer care agent we spoke with said our docs were once again re-ran on XX/XX/XXXX and would be on the way to us soon but could not pinpoint a date. We have heard this exact statement many, many times before over the past seven months to no avail. I am attaching a document with a timeline of all the issues we have encountered.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This 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 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 Transunion more than 21 times. transunion 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 XXXX now.with no help.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, sent a letter to Equifax but Equifax says 'my proof of identity does not match the information on my credit file '. 
This CFPB complaint serves as my proof of identity, as well as proof that my credit file is NOT accurate as Equifax just admitted to information not matching
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
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. (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

*THIS IS NOT A DUPLICATE* Please refer to my previous complaints ; XXXX XXXX XXXX XXXX Bank of America continues to be negligent in researching and correcting the issue with the VISA card I have through them. 

The approximate total amount in question is {$6100.00} in fraudulent charges made by an online gaming company. 

Every time Bank of America has been contacted, numerous times directly through me, and now 4 times through CFPB, they have supplied contact information for their department that handles these disputes though the number and extension number never lead to direct contact to the person dedicated to my issue and they never call back after leaving my contact number. 

I no longer have faith that any contact with Bank of America will lead to a correct conclusion to my complaint. Therefore, I want to know to whom should I direct my inquiry to institute a formal investigation.