davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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: Self Financial Inc. ()

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear SELFINC/LEAD, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Missouri Revised Statutes, particularly Sections 407.620 to 407.640, and identity theft laws, specifically Missouri Statute Section 570.223 . 

It has unequivocally come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Sections 407.620 to 407.640, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri Statute Section 570.223 addresses the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELFINC/LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 407.620 to 407.640 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELFINC/LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

This debt is for a phone bill I co-signed for back in XXXX. I noticed it on my credit report years later. I believed my state of Texas has a statute of limitations of 7 years. Since it was about 2 years to go I let it go to the statue. I never heard anything about it again until it showed up in XX/XX/XXXX. 
Original Creditor : 11 XXXX in or around XX/XX/XXXX for {$490.00} I guess the debt was sold. 

Because I noticed it back on my credit report under the name of : SW Crdt Sys opened in XX/XX/XXXX for {$550.00} Please Help Thank You Kindly
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (OK)

They call, say this phone call is recorded ask if Im so and so I say who is this, they reply with does your social end in XXXX, I say who is this and who do you work for? They reply with us this your address, I say who is this and who do you work for. They speed through who they are and who they work for and say Im terminating the call. Mean while I know its the debt collection company but they talk so fast I cant hear exactly who/what company.
Consumer complaint received 2023-01-30
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. (IL)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXXXXXX XXXX XXXX XXXXXXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
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. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # 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 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 to cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-30
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. (MS)

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-07-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXX  XXXX {$120000.00}
Consumer complaint received 2017-10-21
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: Experian Information Solutions Inc. (NY)

I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : Experian and XXXX XXXX XXXX have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {$40.00}. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep {$540.00} ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with Experian, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. Experian is now in violation of sections 623, 609, 1681 and 603.  XXXX XXXX XXXX is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (MT)

Check & Go repeatedly calls me and leaves messages, I am NOT a customer of theres, but they leave messages regarding " my upcoming appointments ''. I have called them multiple times, they want date of birth and SSN, repeat, I am NOT a customer! I have called to be removed only to be given other # s to call or websites which both options ask for personal private info. They leave so many messages it fills up my voicemail box. Most recent call was XX/XX/19 @ XXXX XXXX mst. I called only to get the run around again.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX XXXX XXXX # XXXX and Knight Adjustment Bureau # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to Knight Adjustment, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.
Consumer complaint received 2023-01-30
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. (IL)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX XXXX XXXX, and XXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2020-07-09
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: EQUIFAX, INC. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, 1 XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (GA)

Today ( XXXX ) I was on the phone for the 8th time trying to access my accounts online ( This is a online bank only ) with Synchrony Bank. Yesterday Synchrony Bank was to Make a ticket for IT to contact me. Called back today and their was no record of it. Have made several calls since XXXX and each time get a different excuse. Please help because at this point wondering if they are solvent.
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc. (CA)

Friday XX/XX/2019, attempted to get a new car loan through my credit union,  was denied because they use Experian as their sole credit provider and Experian showed me as have no credit. I checked with both XXXX and XXXX and they both showed me as have an extensive credit history with good credit ( rated A ). Attempted to contact Experian by telephone, many layer of voice prompts provided little opportunity to talk with a human. After many telephone calls was able to reach a human, but was advised I had no credit history. Explained my credit history with XXXX and XXXX and was transferred to another individual who looked deeper into the problem. After some review by that person a case was opened to attempt to fix the problem. Wednesday XX/XX/19, attempted to contact Experian by telephone to check on the progress of my case. Once again many layers of voice prompts. After more than 45 minutes of transfers and holds reached someone in the " dispute department '' who explained I had no credit history. Got that person to look deeper in the issue and they advised the problem was being researched but could provide a resolution date.
Consumer complaint received 2019-10-30
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: Experian Information Solutions Inc. (CA)

Hello, Experian informed CFPB that the entry I am disputing is not on my credit file. It's as if they removed it, yet my on file dispute with them that I downloaded today, XX/XX/2019, states otherwise. It states XXXX XXXX claim is valid when it is not. They may have removed my collections however, my score never improved, and the dispute was never updated to show XXXX XXXX collection account was removed from my credit file. I have an exceptional payment history with the exception of one late payment due to my banks mistake that took over 2months to fix. Yet my credit score is below 600 and I've been paying on time since my accounts were opened over two years ago. There's no reason my score should be that low.

One day, I am going to prove, Experian & XXXX XXXX score not just according to the standards set by law, but by Ethnicity as well. They're scoring is harsh on others while extremely lenient on another.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I received money on Paypal from an unknown person because she is sending it to a person of the same name as me. Paypal app is not smart enough to guide people to the right person. I use Venmo and XXXX as well but have never faced any such issues. I have contacted Paypal but their support is clueless. I changed my Paypal email address as well but no luck. In fact Paypal also charged me {$15.00} for no mistake of mine. The buyer sent me the money and then asked Paypal to refund it. Paypal " ASSUMED and CONCLUDED '' that I am the seller and charged me {$15.00} for the transaction. This is really sad and very unprofessional from Paypal 's side. THIS HAS HAPPENED MANY TIMES NOW AND DOESN'T LOOK LIKE PAYPAL CARES FOR THS INCONVINIENCE CAUSED TO ME. Case number - XXXX XXXX Paypal charged me {$15.00}. How did they conclude that I am the actual seller. I AM NOT. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have tried to access my Transunion credit report on XX/XX/2024 and I am unable to see anything in regards to my credit. 

I have verified myself through a OTP via my email but if I request my credit report, it says : Erorr Retreiving Credit Report We're unable to complete your request online. 

I am supposed to call in and when I do, they say I need to logout and log back in online which I have done multiple times. 

I still get this error and no help. I have no access to my credit report nor am I able to file a dispute on my credit report.
Consumer complaint received 2023-01-30
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Elevate Recoveries, LLC (TX)

XXXX XXXX XXXX XXXX, XXXX XXXX texas. XX/XX/2016 I went there and got treated, XXXX paid there part, I just received a letter stating I owe {$6200.00} for the visit, I NEVER received any thing up until now. It went to collections and now its on my credit report, what can be done about this rip off.
Consumer complaint received 2019-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

Called Navient today and got disturbing news. 
Im currently {$62000.00} in student loan debt, and trying to figure out the best option. I requested a forbearance and got approved on XX/XX/XXXX, which stated that can resume payments on XX/XX/XXXX. I was told today that my forbearance ended on XX/XX/XXXX, and I was not aware of the change. So all of the late charges and derogatory comments landed on my credit report. That makes me wonder if I have been getting charged like this on my previous forbearance request. I recently applied for a personal loan, and it stated the reason for denial wasaccount severely delinquent. I truly believe it was because of this debt that I was misinformed about. I understand that I had to get student loans to complete my accounting degree, but I cant even land a job in the field due to less demand in my area. Its bad enough to have this following you for 10+ years, but to be misinformed is totally unnecessary.