davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I reviewed a current copy of my credit report and show incomplete or inaccurate information. The credtior XXXX XXXX XXXX account number XXXX credit reporting history is listing inaccurate late payment for this account on XX/XX/2017, and XX/XX/2017. I have not only paid this account in full. But, I have never missed payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also, I attempted on a number of occassions to reachout to experian with no success. Please again, update account to have late payments show deleted.
Consumer complaint received 2020-01-26
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: SYNCHRONY FINANCIAL (AL)

My phone was hacked and all of my credit card information and bank accounts were being used from a unknown burner of some sorts and the bank has helped me to find out what was going on because every month since the initial hack XX/XX/2019  I am having my XXXX pay withdrawals I have changed cards and had all cards in my possession as they are still charging me and I have called every single credit account I have and reported that I have not received the new cards that they have sent out after telling me to destroy my old cards and I can not understand how I am still charging HUGE AMOUNTS OF ITEMS AND I DONT HAVE ANY REPLACEMENT CARDS. I am only having a problem with 2/3 accounts but my bank and some of my longest accounts have deemed it fraud bank included! Sorry I am not mobile because Im a XXXX veteran so Im sorry I am not mobile to even get to all the places I am being charged for! So Im going to need you to re examine your determinations because these are not even my spending habits and my credit is really suffering from this issue and I just purchased a home last XXXX so I am POSITIVE THAT MY CREDIT ACCOUNT IS NOT RIGHT DUE TO FRAUD AND I AM NOT GON NA LET THIS INCONVENIENCE DESTROY THE CREDIT I HAVE WORKED HARD TO REBUILD! I will be awaiting further feedback from you on this matter because my bank has had to refund my check since XX/XX/2019 and I NEED HELP GETTING MY CREDIT BACK ASAP
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Account activity from XX/XX/2023, onward is fraudulent on Capital One credit card ending in XXXX. I am not in possession of said card.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Debt buyer Portfolio Recovery is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was XXXX at the time this account was supposedly opened and I want it removed
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc. (CO)

Debt buyer XXXX XXXX is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was incarcerated at the time this account was supposedly opened and I want it removed
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. 

Portfolio Recovery Account Number : XXXX Amount of alleged debt {$1000.00}.
Consumer complaint received 2022-04-30
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. (GA)

XXXX, XXXX and TransUnion have reported a 30-day late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, they said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX and TransUnion and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (CA)

Grain XXXX XXXX is reporting that my status on an account was in a charge off status for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these months the minimum payment has been deducted from my account as it always have. I am unable to reach a person to correct this matter. There is no response to the matter.
Consumer complaint received 2021-06-09
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. (KY)

I decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( Experian, XXXX and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to Experian and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX  and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with XXXX, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my report.
Consumer complaint received 2021-06-30
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. (UT)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-30
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. (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

Navient came to me.and said they could offer me a student loan consolidation plan for XXXX dollars a month in perpetuity which I thought was absurd but after being assured my payment would never go up I agreed. Unfortunately for me this was not true and the company began expecting an exorbitant payment after one year. I told them this was a bait and switch scam. They said there was nothing they could do.
Consumer complaint received 2018-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one issued a debt collection/charge off account on my credit report ( XXXX, XXXX and XXXX without verifying the debt and a contract with my signature. They poated the report to all three bureaus without notifications me of the debt. I advised that this was not my debt.
Consumer complaint received 2018-02-14
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. (NJ)

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX/XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I disputed a charge of {$250.00} from a merchant that has a history of not delivering the product that is paid for. 
The bank issued me a provisional credit while the investigation was on going. On XX/XX/XXXX the bank sends me a letter letting me know on XX/XX/XXXX, that they will be removing the credit from my account and that they have sided with the merchant and there was nothing else that can be done. Which is a lie. Their investigation is flawed. I provided all documents to prove my case and they still failed to protect me. 

My bank refused to perform a thorough investigation on my behalf. Instead of having empathy and knowing the law, they decided the case in favor of the merchant because they felt that I should have done " more research on the company ''. Which is WRONG. Regardless of those ridiculous claims, the merchant has no rights to keep my money for services NOT rendered. I don't have anything that belongs to the merchant therefor I should have my money back! 

Merchant blocked me on social media, blocked my phone number as well. I was finally able to reach her through XXXX ( a merchant service company where my card was processed through ) she told me that she would refund me but is now making excuses as to why she currently can't which I don't believe. 

If Citibank did their job this wouldn't be happening!
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the three loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all 3 of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. Two of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. XXXX updated the 30 day late comment on my credit report for XXXX XXXX but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to XXXX in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on my credit score.
Consumer complaint received 2020-01-23
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. (AZ)

Submitted a dispute about an account I have with XXXX XXXX Bank credit card concerning an outstanding balance that was paid in full back in XXXX but still showing a balance on Experian credit report. I submitted a dispute and now Experian claims that the credit reporter XXXX XXXX XXXX XXXX certified the balance as true, however, it is most certainly not correct as I just looked at my account online and shows a - {$38.00} balance which means they owe me money not me owing them. I feel that Experian was derelict in its duty to properly investigate the matter an a mere " certification '' from the creditor isn't sufficient to protect my rights under the FCRA. Credit reporting agencies should be required to diligently conduct a full investigation and not just take the creditor 's word for it.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (GA)

I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated
Consumer complaint received 2022-04-30
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: Global Lending Services LLC (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 153 consumer credit plan as late for and purpose
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (OH)

I have a account from a unknown company that I have never done business with AARGON COLLECTION AGENY # XXXX Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in Cook County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SD)

Portfolio Recovery services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing. 
debt is alleged until proven 15 USC 1691.

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.
Consumer complaint received 2022-04-30
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. (NC)

Dispute letters were sent certified mail USPS # XXXX to Equifax in XX/XX/XXXX and I requested to them to provide original contracts that are signed/consented by me for accounts listed below : Account Name : XXXX XXXX XXXX  Account Date : XX/XX/XXXX Account Number : XXXX Account Amount : {$1000.00} The account Listed above IS NOT MINE. You did not provide The original instrument of indebtedness, or proof that the instruments still exists. I have not received any DOCUMENTATION or CORRESPONDENCE with this information that you claimed I consented to above account. Yet this account still remains on my consumer report.