davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XXXX, XXXX, I XXXX XXXX, together with my wife, run our credit report to know how was our credit in order for us to get apply for a house, after we pulled our credit report and went over it, I discovered some unknown accounts on mine and also on hers, including some personal information that were not related to me and/or my wife, in this case I am only going to talk about myself. My credit report was with multiple accounts that did not belong to me. Asking for some help here and there, on XX/XX/XXXX, I submitted my first dispute some items were remove, on XX/XX/XXXX, I submitted my second dispute, some other items were remove but also received correspondences from the credit bureaus requesting for a Police Report in order for them to remove the other accounts, so, on XX/XX/XXXX, my wife and I went to filed an XXXX XXXX Police report just as the bureaus requested and on XX/XX/XXXX, I submitted my first dispute with the Police Report included, this time I had better results, XXXX and XXXX removed all the accounts remaining that were not mine, unfortunately, as of today 's date, Experian has been refuse to remove multiple accounts from my report ( accounts listed on my Affidavit of Identity Theft ), I really do not know what else to do, I did all the necessary to remove those accounts, I am expecting to have some results after doing my complaint here at CFPB, I am attaching the most recent dispute package that I submitted to EXPERIAN, and as of today they have not remove the accounts that not belong to me.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Ive tried to handle this in-house with Merrill Lynch/Bank of America. 
Merrill gave me a case number for my charge dispute : XXXX. 
They mailed a letter to me dated XX/XX/XXXX. The letter gave me 10 days to respond by fax with my particulars. By the time the letter reached me by ( snail ) mail I had 2 days. 
I called Merrill and they told me 3 key things 1. ) The time frame didn't matter and the case would remain open even if I missed the 10 day window. 2. ) They had an address to XXXX to and it didn't have to be faxed and 3. ) Even though the XXXX point was in XXXX my packet would be forwarded to their dispute center. It should be noted that I indicated on my packet the intended end recipient and my case number. A weekend was in play and I don't own a fax machine. I have proof from XXXX the envelope was delivered and signed for. 
Merrill has notified me my case is closed for lack of response from me. 
A few of my calls : XXXX XX/XX/XXXX, XXXX XXXX, at XXXX PDT I was transferred to another site only to hear ; office closed ( sic ). XXXX XX/XX/XXXX XXXX , no help, then re-call this time to XXXX , no help. Im serious, really, no attempt to help me or escalate my concern. Case closed. 
Please help me.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I tried to send letter to transuion to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.
Consumer complaint received 2023-02-06
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TN)

I switched to XXXX from XXXX with the promise by XXXX to pay my 2 phones off. Months later, I received a letter informing me that XXXX had not paid the phones off. 

I was offered a {$500.00} settlement by XXXX debt collector XXXX XXXX And XXXX XXXX, from OH. On XXXX, I made the payment for {$500.00} using my debit card. 

But every few months, XXXX continues to hand the already paid debt to other collectors. My credit continues to take unfair hits for this. 

I am being harassed and harmed by this unethical behavior. 

XXXX.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine and it came back verified. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-10
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. (PA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft & did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-03
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. (MD)

On XX/XX/XXXX SBA Small Business Administration pulled my XXXX 3.0 credit report/score from Experian. This was for a emergency Covid 19 relief loan. I was denied for the loan and told to look at my credit report. I did and saw a bad mark from XXXX for an account that was not mine. I got it removed and refiled again with the SBA. On XX/XX/XXXX My Experian XXXX 3.0 score/report was pulled. Again SBA denied me. I inquired further with SBA as to the issue they explained i needed a credit score of at least XXXX Compared to XXXX which Experian showed them. When i called Experian, to my surprise, my XXXX score was well above this. I ordered a copy by mail for a additional fee My score shows a XXXX this is a 68 point difference. Please see copy. In the meantime I decided to see what XXXX and XXXX  were showing both are showing approx XXXX and XXXX. I noticed in addition that one of my accounts was showing as updated for both XXXX and XXXX but Experian still was not. The last update for this account was showing as XX/XX/XXXX for Experian. However for XXXX  and XXXX  They have been updated to reflect XX/XX/XXXX. We are now in XXXX. It appears XXXX  is deliberately manipulating 2 sets of scores for the exact same scoring system XXXX 3.0. It also Appears Experian is deliberately not updating my accounts as the other 2 credit bureaus are. Thier call center seems to be overseas and thier staff seem to not know much about the XXXX 3.0 program.
Consumer complaint received 2021-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CO)

I was on XXXX XXXX orders while this company closed my account without my permission as of XX/XX/2020. 

I was simply trying to set up XXXX benefits, and let the company know I was having issues with their autopay system before I went on XXXX. 

To my dismay the company closed my account without my permission even though I had 100 % on time payment history with this company.
Consumer complaint received 2023-02-15
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. (TX)

On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, Experian, XXXX and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Neon Newco Corporation (CA)

I won the small claim on XX/XX/2022, against the refund issue. The defendant net spend corporation did not pay me after 30 days of notice was mailed to them. I spoke to their manager and ask who can handle the payment. The manager did not know it. I can not collect my claim amount after I won the case. I need net-spend cor contact me asap
Consumer complaint received 2022-04-28
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. (MD)

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. 

Chapter XXXX Bankruptcy XXXX XXXX # XXXX, has violated my rights. 

Chapter XXXX Bankruptcy XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Chapter XXXX Bankruptcy XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX  F Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have sent multiple letters asking this company to send verification of debt. If they were unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Its been removed from company because they provide information and now they have re added it back on my report without verification still. This company has recently used my personal information to change the dates on my credit report and added a fake address to my account to continue collecting from me and I was alerted by security they were trying to access my account with this false address XXXX XXXX XXXX XXXX IL XXXX.
Consumer complaint received 2024-03-19
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: DISCOVER BANK (OH)

I did not grant authorization to obtain credit inquiries and I would like these hard inquiries removed from my credit report. This is not fair to hard working people! 
Please help, thank you. Phone call XX/XX/2024
Consumer complaint received 2022-10-13
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: OneMain Finance Corporation (PA)

In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian makes it very difficult for people to place a credit freeze on their account. Rather than providing it as an option when you login to your Experian account ( as the other two credit bureaus do ), you have to go to an external site ( with no authentication ) and provide your information and PIN. When I tried this, it did not work. I instead received the message pasted at the end of this post. Experian obviously wants you to pay for a credit " lock '', which is easy to place and remove when you login to your Experian account. Requiring people to fill out and mail a form via certified or regular mail is not free, as required by federal law. 

MESSAGE : " To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). ''
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AR)

I contacted DCI on XX/XX/XXXX and XX/XX/XXXX requesting that the company send me a validation of this debt. They proceeded with providing a bill from XXXX but it was not the original legal bind contract bearing my signature that this debt is mine which is what I requested. I am disputing this because I have no knowledge of this account, and I would like to this be removed from my credit because it is affecting my majorly. I have asked the company to please remove if they can not provide evidence of my ownership, but they continue to report.
Consumer complaint received 2022-04-28
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. (MD)

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  Bankruptcy Case Number # XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-08
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: SANTANDER HOLDINGS USA, INC. (MS)

I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I sent letter to Experian received XX/XX/22 that there method of verification was invalid and to please correct the error of reporting a bankruptcy XXXX because I went to the data furnisher directly XXXX and after there investigation they are not reporting and bankruptcy in there files. ( LETTERS OF INVESTIGATION ENCLOSED ) Experian responded XX/XX/22 report # XXXX, that the results has been certified as accurate. I sent another letter received XX/XX/22 stating that Experian has violated 15 U.S. Code 1681i for invalidated inaccurate credit information being reported. Experian responded XX/XX/22 with report # XXXX once again that the data furnisher certified the results as accurate. There is noway Experian did any investigation when I have documents from XXXX there data furnisher stating they are NOT reporting any bankruptcy in there files. Experian has not provided me a copy of any verified proof of an investigation has been done or any documents of an investigation. Experian has obviously violated FCRA rules and my consumer rights.
Consumer complaint received 2021-05-03
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. (NY)

Transunion disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the XXXX XXXX and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.
Consumer complaint received 2023-03-10
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: CCF Intermediate Holdings LLC (AL)

In accordance with the fair credit Reporting act my rights has been violated. 

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 consumer credit plan as late for purpose.
Consumer complaint received 2018-02-03
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. (OH)

XXXX XXXX XXXX has a closed account on the Equifax account. The other 2 agencies do not have it appear on the report after it was challenged and successfully disputed. Equifax still has it for the THIRD time and it adversely affects my credit score. No one can be this sloppy, this is intentional.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focus Holding Company (MA)

I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX  notifies me through email and text. On XX/XX/XXXX XXXX   flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.
Consumer complaint received 2021-11-03
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.