davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NE)

On the morning of XXXX I awoke to a XXXX XXXX  notification that there was a new inquiry on my credit report. Confused, I opened it up before the fog left my eyes. It was logged that a CB Indigo had put an inquiry on my credit report. Rather panicked, I looked up what CB Indigo is & I gathered its a XXXX issued by a XXXX XXXX  in Utah. I have zero ties with Mastercard, XXXXXXXX XXXX or Utah, for that matter. After requesting more information from XXXX it shows that the information entered on the inquiry is vague & outdated. In fact, the address connected to my XXXX is outdated, but the address on this inquiry dates back to when I was living with my grandparents, roughly when I was XXXX. I contacted this CB Indigo customer support around XXXXXXXX XXXX XXXX XXXX to discuss the issue, but the lady seemed rather confused with my problemShe began asking for an application number, which I was unable to provide as I had never applied. She pointed me in the direction of XXXX, but I called pretty late in the morning, so the wait time was rather long & I had to prepare for work. So I called again this morning ( XXXX ) & was redirected to the FTC, which redirected me here ( CFPB ). 

Bottom line : -I never authorized CB Indigo  to access my credit report. 
-The information for this CB Indigo is outdated as the TWO listed are incorrect. 
-I would, at this moment in time & the foreseeable future, NEVER apply for a credit card that has annual fees as I am the sole provider to my wife & two kids XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & only now am I barely recovering financially from the down time of the operation & regaining financial cushion. 

The inquiry has come from an unknown source, not by me. Please help get this fixed as soon as possible I am the one with the good credit score in my marriage & my family relies on that score for the future. I have never had a late payment, or done anything that may affect my credit negatively.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (ME)

Since XX/XX/year> I have been seeking clarity on why I owe so much MORE than the original loan amount I borrowed when I have repaid more than I have borrowed. I have been repeatedly PROMISED by the Dept of Education that Nelnet would provide the necessary information, and I have been repeatedly asked to wait " 10 days '', but for weeks I have been facing multiple attempts to close my cases even when advocating that their instruction to Nelnet has NOT been received on my end. Nelnet is NOT cooperating with the Dept of Education 's instructions nor is the Dept of Education holding Nelnet accountable. All I am getting is a run-a-round, premature closing of my cases, and an avoidance of providing documentation of my loan. SOMETHING IS BEING INTENTIONALLY HIDDEN BY THE DEPT OF EDUCATION AND NELNET!!!!
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (PA)

AidVantage ( Maximus Education XXXX ) approved my Federal Student Loan Consolidation application on XX/XX/year>, but has still yet to fund the loan. XXXX is of the essence, and it has already been nearly XXXX since they approved the loan, and XXXX since my application was fully submitted. The United States Department of Education will *NOT* allow me to pick a new lender, so I am stuck with AidVantage ( Maximus Education XXXX XXXX XXXX but they refuse to fund the loan they've approved me for.
Consumer complaint received 2018-02-15
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. (CA)

XXXX, Equifax and XXXX have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA (MI)

I have XXXX charges on my Apple Card account which is managed by Goldman Sachs. Each are in the amount of {$4.00}, charged on XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have made several attempts to contact Goldman Sachs to explain that the associated products were returned to Apple store and therefore the charges need to be refunded. Over XXXX months later, the charges were not refunded.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergence Acquisitions, LLC (IA)

I reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (GA)

During the Cares Act in 2020 I was Flagged Late on my credit report for the Months of XXXX and XXXX although I still made my payments. From my understand Banks and creditors were not suppose to report late payments during that period. I was affected tremendously by COVID-19 with my work and health all at once. I reached out to my creditor and they failed to listen to my request of removing the late payments on my credit report.
Consumer complaint received 2021-02-11
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)

I noticed a account on my credit report was in delinquency, I immediately disputed it because all my bill are paid on time and I shouldnt have any late payments on any accounts. All my bills are on auto payment. I reported this fraud with XXXX county police, the county in which I reside in, I also completed a identity theft affidavit and sent to XXXX  and Experian to have this XXXX account removed, they are still reporting this inaccurate account and its affecting my livelihood.
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled my credit report from XXXX, TransUnion, and XXXX and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : XXXX PERSONAL LOAN ( ACC NO : XXXX ) and XXXX XXXX XXXX ( ACC NO : XXXX ). I sent a police report to TransUnion but the TransUnion reporting agency did not remove these fraudulent accounts.
Consumer complaint received 2020-12-12
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (UT)

There is a collection account that appeared on my Equifax that stated the original creditor was XXXX and is now under collection with XXXX as of XXXX2021 in the amount of {$230.00}. There was never a collection account or negative reporting from XXXX. I have tried to join and pay Equifax to dispute this online as my current employment wont allow phone calls within Equifax customer service hours M-F, XXXX. I have signed up to file a dispute and had to get my pin mailed to me from Equifax. I have gone thru their online verification process and added my credit card to pay for monitored services and entered the verification code that that sent thru the postal service and am STILL NOT able to access my report and be able to enter a dispute. It has been over XXXX weeks and I would like to have access to my online report and dispute this erroneous collection. I have very limited time and thought my best approach would be to contact the Comsumer Finance for help on the removal of this collection and to let Equifax know that this type of issue is very concerning. Thank you!
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

There are 6 accounts on my Equifax credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX Acct # XXXX, 2. XXXX Acct # XXXX, 3. XXXX XXXX Account # XXXX, Both accounts 2 and 3 have same acct # s different amounts listed, different company names. 4.XXXX  XXXX Acct # XXXX, 5. Acct # XXXX, 6.Acct # XXXX, These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have notified XXXX & Transunion MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my STATE ATTORNEY GENERAL as this has not been removed. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. 

Please remove ASAP. Transunion is in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.
Consumer complaint received 2022-11-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX  XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.
Consumer complaint received 2022-05-02
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. (PA)

On XX/XX/2022, I called XXXX and Experian to inquire about about the fraudulent hard inquiries on my credit report. I requested the inquiries to be removed but was unsuccessful and have not received a response yet. I feel like Im being taken advantage and my disputes are being ignored. Also Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.
Consumer complaint received 2021-12-01
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 (NY)

There are some negative items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX CAPITAL ONE BANK USA N Account Number : XXXX CAPITAL ONE BANK USA N Account Number : XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (NY)

I informed Caine & Weiner in writing in response to an SMS text message on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX that I do not have a XXXX account and that they are not to communicate with my phone number via SMS or phone call. 

On Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX, I was contacted again via SMS at my phone number with a message saying Caine & Weiner is here to help you resolve your XXXX XXXXXXXX XXXX account. Please contact me to discuss your options. 

XXXX XXXX XXXX XXXX XXXX online at  XXXXXXX XXXXXXXX XXXX I responded on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX  saying, You have already been informed in writing to not contact this number. I do not have a XXXXXXXX XXXXXXXX account and I am not affiliated with a company that has a XXXXXXXX XXXX  account. I am formally complaining to the CFPB about your contact after I informed you in writing to not contact this number. I will be sending screenshots of this conversation as well as my phone records. 

Since those messages were sent, I have been receiving sometimes more than three phone calls a day from Caine & Weiner regarding collecting this debt that is not mine. I also informed them more than once that the debt is not mine and to stop contacting me. 

On XX/XX/2022 at XXXX XXXX XXXX, I received another SMS text message from Caine & Weiner saying, Please contact me about your balance due to XXXX XXXX XXXX XXXX XXXX XXXX online at XXXXXXXX XXXX XXXX I replied on XX/XX/2022 at XXXXXXXX XXXX XXXX saying, Another complaint and screen shot is being sent to the CFPB. 

IT HAS ALREADY BEEN REQUESTED IN WRITING THAT THESE COMMUNICATIONS STOP IMMEDIATELY. 

IMMEDIATELY STOP ALL WRITTEN, VOICE ( PHONE CALL ), AND MAIL COMMUNICATIONS TO THIS NUMBER AND ANY EMAIL OR PHYSICAL ADDRESS ASSOCIATED WITH IT. 

There is no message saying that the sender is not able to receive SMS communications thus it has been communicated multiple times that the messages and phone calls must stop as this is not my debt.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-11-20
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. (TX)

Recently, I did an investigation on my credit report which caused sever XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-09-16
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. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (SC)

XXXX XXXX last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on XXXX and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, XXXX shows XXXX and Equifax shows XXXX. The date of last payment is XXXX on Equifax and XXXX.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is still reporting my delinquent XXXX account beyond the 7 years. The date of last payment as reported by Transunion is XX/XX/2013. So why havent this item been removed yet?
Consumer complaint received 2021-02-27
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. (CA)

On XX/XX/2020 my credit score dropped 35 points. NO explanation. I have years of " on time payments '', no late payments reported. No one can explain the damaging 35 point drop is/was related to. I want the answer, but all 3 credit bureaus are of no assistance and not willing to provide clarity as to the 35 point drop. I have worked very hard to maintain good credit and timely payments to those companies. Is there any guidance that you may provide? I am not dealing with XXXX XXXX, I don't need them. Please advise.
Consumer complaint received 2021-02-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

CFPB complaint is being filed towards XXXX. The reason for the complaint is due to malpractice from XXXX. 
On XX/XX/2021, I reported several credit accounts that were being reported on my credit report as fraudulent accounts. I marked these accounts as fraudulent accounts because I never applied nor used these accounts for self-gain. 
Unfortunately, XXXX is continuing to post accounts from Bank of America. 

Because XXXX was continuing to post fraudulent accounts from Bank of America, I submitted a police report and FTC 's identity theft report directly to Bank of America with a CFPB complaint. 

The fraudulent accounts from Bank of America are still being reported on my XXXX credit report without providing their method of verification process of fraudulent accounts. 

I strongly believe that XXXX is in violation of FCRA because the creditors and XXXX never provided any shreds of evidence that these accounts were made and used by me. They are assuming that I am making a false statement, which is very offensive to me. Both parties are defaming my character and continuing to post accounts that are not mine. 

I would like to submit another dispute letter to XXXX via CFPB because I need to keep the record that I actually made an attempt to resolve the identity theft issue directly with the creditor and XXXX.