davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (NY)

I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have sent XXXX copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it removed.
Consumer complaint received 2022-04-07
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: ACIMA CREDIT, LLC (NJ)

There are now XXXX accounts from Acima and the address associated to them is XXXX XXXX XXXX XXXX PA XXXX. I have never lived at this address or in Pennsylvania. I have disputed these items so many times and XXXX will not remove them and I have also contacted Acima directly. XXXX tells me I can not dispute the address online since it is associated to Acima but I have disputed Acima 7 times with no resolution. The owners and residents of this address are named XXXX and XXXX XXXX and I am not related to them nor know them. XXXX was sent documents of proof and still will not remove the address or fraudulent accounts.
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XX/XX/XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (MD)

I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Skrill USA, Inc. (MN)

My account transactions were stopped until I verified my identity by pictures of i.d and then a face recognition scan. All 3 times it came back right away it didn't work. So I tried calling support which can't get through too at all. Then tried logging into my account and it says response error and I can't do anything on the Skrill website now at all! And I have money in that account I need.. I am unable to access my account completely now and am more then frustrated. I verified my identity now give me my money.
Consumer complaint received 2022-04-07
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: OPORTUN FINANCIAL CORPORATION (FL)

XX/XX/2022 someone tried to take out a personal loan under my name for {$7500.00}. OPORTUN INC/PROGRESO FIN who offered the loan have been contacted to remove their credit inquiries. However, there hasnt been any communication from the Oportun and their credit report is not removed.
Consumer complaint received 2021-04-01
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: United Accounts, Inc. (MN)

I got a payday loan from XXXX in XXXX Nd, The loan before this one was deposited before the date it was to be causing me to overdraft and fees. About XXXX in fees. This next loan came due and I could not pay it. Now they turned it into XXXX XXXX agency XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX but they didnt list it as XXXX but united accounts inc. I called XXXX XXXX and they confirmed it is XXXX. They put this on my credit report without sending a bill letter anything, Debt Parking. 
Now XXXX credit has sent it to XXXX XXXX to credit bureau of XXXX XXXX mn and the debt is listed as Credit Bureau of XXXX not correct. There reporting XXXX and that is against MN law.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

I invested {$2000.00} to start a Health Savings Account with XXXX   XXXX  a NY Mellon Bank. On or about XX/XX/XXXX, I noticed strange transactions on my on-line statement. I had used the account on XX/XX/XXXX two times to make a payment totaling {$520.00} to a medical provider. However, the account transcript showed a XX/XX/XXXX withdrawal for {$1900.00}. On XX/XX/XXXX, there was a deposit for {$3500.00}. Again on XX/XX/XXXX, there was another deposit for {$3700.00} ( both marked tax year XXXX. ) On XX/XX/XXXX, the account was debited {$7200.00}. In fact, the XX/XX/XXXX withdrawal of {$7200.00} was payable to XXXX XXXX XXXX. This name is not part of the account ; we have no idea who this is and do not recognize this name as a payee or medical provider. 
None of these transactions aside from the XX/XX/XXXX {$520.00} withdrawal were done by me or any family member. In fact, on XX/XX/XXXX, I submitted an affidavit of unauthorized/ improper direct pay activity to XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, New Jersey, by certified mail. There had been no formal written response as promised. Not hearing from XXXX XXXX, I called several weeks later to a customer service agent, who said they would check. The agent eventually said the investigation was concluded and that somebody had used MY IP address and created a new e-mail account, and accessed my online bank account ... I did not perfectly understand the spoken voice of the agent ; I do not recognize the email nor did I authorize anyone to change the email on file. I was told the account was closed. I challenged the agent on the telephone why a written responseor any responsehad not been sent to me aside from the call we initiated. 
I have lost {$1400.00}, plus the time accrual of the account, plus the time taken to address this issue.I requested a written responseand satisfaction. On XXXX after many calls and contact with XXXX  -NJ, I  finally recived a transcript of the so call " Operation Team '' showing were the unauthorized transaction originated, somewhere in California .My money has been stolen. XXXX XXXX either maliciously or carelessly blame me for this unauthorized transaction. Do not open accounts with this bank.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) is responding to the complaint filed by XXXX XXXX ( Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If Mr. XXXX can provide further information or documentation supporting XXXX  XXXX  XXXX  having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management XXXX XXXX XXXX
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Management Control, Inc. (LA)

COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details CREDIT MANAGEMENT CO  XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXXXXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used twice to apply for a Kohl's/ Cap One account. The first time XX/XX/XXXX and the second time XX/XX/XXXX. A formal dispute was mailed to Kohl's/ Cap One fraud department XX/XX/XXXX concerning these fraudulent inquiries however as of this date Kohl 's has not responded as is their responsibility.
Consumer complaint received 2022-04-07
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. (NC)

Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Transunion. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.
Consumer complaint received 2022-04-07
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)

Im very troubled by my recent experience with Equifax about accounts appearing on my credit report. I have a mother who has XXXX and a child with XXXX.so Im a very busy man. I recently had some down time and sent my identity theft affidavit to equifax. However, when I refreshed my score this more I saw the accounts were still showing. As a matter of fact XXXX acct # XXXX is reporting twice Im requesting a removal of the accounts immediately Ive also attached a copy of my affidavit as well
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

In XX/XX/year> and XX/XX/year>, I disputed the following authorized account Resurgent LVNV Funding : Resurgent LVNV Funding XXXX {$1100.00} I submitted an FTC Identity Theft Affidavit and request the following legal documentation from them : In accordance with 15 USC 1692G, I'm requesting debt validation on the above unauthorized account. I'm requesting the following documentation '' 1. A detailed list of history of payments made by me on this account.

2. A signature on the contract guaranteeing I would pay this creditor 3. Any insurance claims filed on this alleged debt 4. Proof that you have the chain of title to collect on this debt. 

Please note that simply sending a statement with my name and an amount on this does not legally bind me to this debt. If you can not provide all requested documents from the list above, delete this unauthorized account in 7 days or I will sue you for false reporting, deceptive and unethical practices, and willful noncompliance as described in 15 USC 1681N. 

As of today, XX/XX/XXXX, the only response I have received from Resurgent LVNV Funding is an statement with my name on it. That alone is not proof of a debt I owe them. They have purposely ignored my request and continue to publish this unauthorized account on my credit reports.
Consumer complaint received 2023-04-06
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: Self Financial Inc. (MI)

XX/XX/2023 I contacted self credit report in regards of an dispute with XXXX stating that my balance is currently {$1600.00} when my balance is {$900.00}. I asked self representive to please respond to XXXX  with my accurate balance she told me no she not properly investigate and let them know my balance. I am trying to close on a home and this is effecting me by having innacurate on my report this is a violation of code 15 U.S.C 1681
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NATIONWIDE ACCEPTANCE LLC (WA)

Last week started complaint with WA state AG, as I received a garnishment notification on a debt judgement dated XX/XX/2014. 
Washington state statute of limitations is 6 years. I do not recognize the company. There are not public records for my person in the said county on the written threat of garnishment mailed to my address. Some of the judges listed in the order do not exist and/or are in other states, jurisdictions, not related to the state or county the garnishment is said to be filed in. 
This is also past the 7 years allowed to be reported on credit.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Received unsolicited text messages XXXX, over and over saying Ive received a Capital One Credit Card, they use different email but the last characters are the XXXX Ive written back STOP, but they continue
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was on XXXX and made a mistake due to ad confusion! I did not want to apply for a credit card at the moment, however while trying to cancel it they still reported it on my credit! I need this removed, terminated or ceased. Thank you
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (IL)

Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud. 


XXXX XXXX XXXX Original creditor : COMMONWEALTH XXXX
Consumer complaint received 2022-04-07
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. (IL)

In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX equiant financial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission
Consumer complaint received 2022-04-07
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. (IL)

In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission
Consumer complaint received 2021-12-04
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: SYNCHRONY FINANCIAL (FL)

I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/XXXX and again on XX/XX/XXXX. I did not authorize this pull from your company and I can only imagine it was done fraudulently during the sale without proper disclosure and under false pretenses/terms. Additionally I am impacted by XXXX, XXXX and now XXXX variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.
Consumer complaint received 2021-12-03
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. (CA)

I have written several letters to the bureaus regarding 2 accounts on my report that do not belong to me, I have Id theft and I have sent them my fraud affidavit. The only bureaus they remain on is Transunion and XXXX. XXXX has already remove the accounts.
Consumer complaint received 2020-10-27
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. (OH)

I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with XXXX and Experian with the most recent letters dated XX/XX/2020. I received the results from XXXX dated XX/XX/2020 stating the information was verified as accurate. I received the results from Experian dated XX/XX/2020 stating the information was certified to Experian as accurate. See the attachments for copies of the disputes to both XXXX and Experian. 

The disputes with both XXXX and Experian have not been resolved as the information has not been verified. I have not received any documentation of said verification received by XXXX or Experian.
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.