davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-02-15
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: Penn Credit Corporation (FL)

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
XXXX/ XXXX this only show in XXXX  was added on I dont owes this company any money please I will report it to Consumer Financial Protection Bureau also I will send a copy of this letter to them This company showing two time in my report from XXXX XXXX/ XXXX XXXX this account was paid off and closed please update never late why it showing in my report Penn Credit Corp Please have them remove this from my credit Also please update the following information which I saw your credit bureau to be missing or incomplete
Consumer complaint received 2018-11-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Upstart Holdings, Inc. (NY)

Upstart networks is a fraudulent charge company, reporting a fraudulent account on all 3 credit bureaus. Upstart is reporting that I opened a loan with XXXX XXXX  and XXXX. I received a call from over 2 months ago that they deemed this fraud and would be removing the fraud account on file with XXXX XXXX and XXXX and never did. remove the FRAUDULENT MARKING ON ALL 3 CREDIT BUREAUS IMMEDIATELY.
Consumer complaint received 2017-11-11
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. (WA)

XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Consumer complaint received 2019-02-15
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. (TN)

For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (CA)

I have been served documents by the Winn Law Group who is representing XXXX XXXX XXXX XXXX XXXX which was dated on XX/XX/XXXX for a non-existing debt. I made 4 attempts to contact their office number which is XXXX XXXX XXXX and it goes straight to an answering machine. I made a 5th attempt and a secretary picked up than she transferred me to an answering machine which belongs to a XXXX XXXX. The message I left for XXXX XXXX on his answering machine was to inform him that I would like documents of the said debt, this is the wrong person, and I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX that there is no debt. I
Consumer complaint received 2022-08-19
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. (MO)

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus update the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate correction of the following accounts completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2019-02-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC (TX)

On XX/XX/19 the collection agency ( XXXX XXXX XXXX PH : XXXX ) contacted both of my daughters and the general manager at my place of employment XXXX XXXX who is in senior management at my place of employment contacted me to tell me he received a call. This puts my job in jeopardy and is extremely embarrassing. 

I contacted the collection agency on XX/XX/19 and talked to XXXX. He told me the original company was filing a judgement againast me for {$2200.00}. However, if I paid {$510.00} that it would be free. They refused to send anything in writing first. I was transferred to someone else and was told they do not send anything in writing but I would get a payoff after payment was made. I do not believe this. THEY NEED TO QUIT CALLING MY FAMILY AND MY PLACE OF EMPLOYMENT.
Consumer complaint received 2018-08-29
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: Consumer Portfolio Services, Inc. (GA)

Today I received a notification that Consumer Portfolio Services , Inc added an unauthorized inquiry on my credit report. I would like the inquiry removed Immediately. I did not authorize them to run my credit. I also do not want any phone calls from the company. I only authorize communication by mail.
Consumer complaint received 2019-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Leap Credit, LLC (SC)

On XX/XX/XXXX I noticed that {$500.00} was deposited into my checking account on XX/XX/XXXX. I did some further investigation and I found out the name of the company was Leap Credit. I've never heard of this company or have I borrowed money from this company. As of today date which is XX/XX/XXXX, they deducted {$110.00} on XX/XX/XXXX from my checking account, XX/XX/XXXX they deducted {$110.00} from my checking account and on XXXX they deducted {$110.00} from my checking account. I got my first email from them on XX/XX/XXXX that states that they are thankful for me taking the loan out and that they are letting me know that my overall cost of the loan has been reduced. On XX/XX/XXXX they sent a certified letter of a flyer about loan information that I might need to know. My question is how did they get my banking information? Before I took my vacation at the end of XX/XX/XXXX I had to go to the bank to tell them that I was going out the state so I could use my debit card in other states. I don't understand how a company can just put money in my account and then take out money without my authorization or knowledge of the transactions.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

XXXX XXXX sold our loan to Fay Servicing LLC. Our first payment to them was for XX/XX/2019. I paid the exact amount {$520.00}. It cleared our bank XX/XX/19. My husband was notified last week by our acct manger that they had not received payment and was asked if hed like to make another. We called the bank and had them fax Fay a copy of the front and back of the check. I also emailed the bank statement showing were it cleared. He told us that the bank statement should be all we need and he would be in touch with us. We havent heard anything in the status. Yesterday ( XX/XX/19 ) I went through their website to pay because I was afraid to pay through bank again. They are showing we owe for XX/XX/XXXX AND XX/XX/XXXX. I called and had the bank fax them ANOTHER copy of the cleared check from XX/XX/XXXX at the acct managers attn. No one will answer or return our phone calls. I logged on this morning to see our balance and they are saying we owe for XX/XX/XXXX. So, they posted the payment to XX/XX/XXXX. However, it has not cleared the bank yet. I have saved the emails, I have the bank statement and copy of the XX/XX/XXXX check, and the copy of the confirmation where I paid yesterday along with the paper bill with a 2 month balance owed. Im afraid these people are going to ruin our credit. I spoke with an attorney yesterday and her advice was to refinance. Well, weve thought about that. However, when XXXX XXXX sold us ... our credit score took a huge hit. So we wouldnt get the best interest rate. Im just exhausted from dealing with all this.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, Equifax, and XXXX. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.
Consumer complaint received 2023-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Visited XXXX for consultation for upcoming XXXX XXXX. Primary and secondary insurance paid in full. A year after the fact I get a notice for a collection agency stating I owed the provider {$270.00}. On seven occasions from XXXX XXXX XXXX ( see attached letter ) I contacted my primary insurance, and they said I owed nothing. On four occasions from XXXX XXXX XXXX I contacted the provider to no avail. I contacted XXXX who provided no help or resolution. I also contacted the collection agency to no avail. 

XXXX  place a delinquent note on my credit report for the {$270.00} which is unfounded and has affected my credit score. I was informed it would stay on my record until some date in the future. 

I have attached the same documents for your review that I have provided all parties multiple times.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MO)

Opened a Citibank basic checking account on XX/XX/XXXX, online. When opening this account I funded this account with {$15000.00} from my XXXX  account. The funds cleared my XXXX  account on XX/XX/XXXX. I then received my debit card and registered this on XX/XX/XXXX. At that time ( on XX/XX/XXXX ) I requested an additional {$10000.00} to be transferred from my XXXX  account to Citibank, the same bank that had previously {$15000.00} clear with no issues. The transfer cleared my XXXX  account, with my legal name on XX/XX/XXXX. Starting on XX/XX/XXXX, I was unable to login to my Citibank account and called ( XXXX ) both on XX/XX/XXXX and XX/XX/XXXX in order to resolve this issues. I was told the {$10000.00} was flagged for " fraudelent '' activity, even though this came from the same bank account my original funds came from ( with no issues ). As of XX/XX/XXXX I was told my account was closed and it would take 30-60 days for those funds to be mailed to me via check. Subsequent to that phone call I received a text alert ( even though I could not login to my online checking ) that the {$10000.00} cleared on Citibank with no issues ( on XX/XX/XXXX ). This is an un-acceptable time frame for me to without this large sum of funds. I except a resolution ( checked mailed or funds returned via ACH ) in a timely manner ( less than 15 days ).
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : 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 2019-02-15
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: Exeter Finance, LLC. (NJ)

I have wrote a certified to the furnisher EXETER ... .I have filed a CFPB complaint and on each occasion EXETER has fail to provide a sign application for credit thats sign by me giving consent to a credit inquiry. 

There should be no issues with providing such documentation if this inquiry is absolutely factual as the credit bureaus and EXETER persist.
Consumer complaint received 2019-02-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a validation letter to the company and they responded with photo copies of billing statements. This is not sufficient proof of debt. They must have original contract with original signature in order to validate this debt. They have failed to do so and have not removed the collection from my credit reports.
Consumer complaint received 2018-08-28
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXXXXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (MO)

Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I have yet to receive back valid information that was requested from the company. The FCRA give the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. Under XXXXXXXX XXXX XXXX XXXX  XXXX states I have the right to privacy. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it also states a consumer reporting agency can not finish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE  investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

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 Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX