davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I Had a dispute with XXXX that was supposed to have been corrected on my Experian report. When i received my report from Experian, the report is all wrong. A lot of items in the report are not mine, they belong to my DECEASED father. My deceased father and I have the same name, however the reporting is supposed to be reported by social security number. I AM UNABLE TO CONTACT EXPERIAN. Nobody answers the phone, it goes straight to a computer prompt and will not let me connect with a live person. I CAN NOT DISPUTE ONLINE, EXPERIAN SYSTEM WONT LET ME. IT KEEPS STATING INCORRECT INFORMATION. The lack of their correct reporting is costing me and has the potential to cost me a lot of money. This is unfair. I, and other people, should be able to contact this company as it directly affects a persons life. If they have the ability to directly affect ones quality of life, they should be required to have live staff answer the telephone to take care of problems with dispute filing. 
Experian also has XXXX Estate ' listed on this report. The Estate of my deceased father has nothing to do with MY report. Experian also has numerous addresses that have nothing to do with me. They have my Mothers new address and also list the address of my deceased fathers deceased girlfriend. None of this has anything tot do with me or my report, but can and is negatively affecting me. I NEED TO GET THIS FIXED A.SA.P as I am looking into the purchase of a new home and this is hurting my score and has the potential to cost me XXXX of dollars and/or generate denials from lenders. 
I have had many problems with this company and I am sure I am not alone. Somebody needs to look into Experian and their deceptive business practices.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

I reviewed my credit report and I see a collection SYND Office - XXXX General Hospital but no contact information a ZERO balance. The transaction was PAID and over 10 years ago.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XX/XX/XXXX however no payment history from XX/XX/XXXX-XX/XX/XXXX 
2. Account sates no last payment. Account states first delinquency in XX/XX/XXXX. However, payment shows payment received in XX/XX/XXXX. No account history from XX/XX/XXXX current. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Consumer complaint received 2018-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One has three or four hard inquiries on my credit report that shouldnt be on my reports. Ive never applied for a credit card. Im a victim of identity theft and just recently, someone tried to obtain XXXX more cards from XXXX different credit card companies. I would appreciate if Capital One would remove these inquiries immediately. My son has the same name as I do. Im not accusing him of any wrong doing but its something to consider.
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (NV)

I settled my account XXXX XXXXXXXX XXXX XXXXXXXX XXXX account with XXXX XXXX XXXX On XX/XX/2023 with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do anything
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I am writing this letter to request the reimbursement of bank charges for bank erroneous levy of my XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, the Wells Fargo Legal Department withdrew {$580.00} from my Wells Fargo checking account and charge me a legal processing fee of {$120.00}, as a result of the legal order in the amount of {$3400.00} from the Franchise Tax Board. As soon as, I found out I called the legal department to explain my financial situation and also contacted XXXX XXXX Department to set up a payment plan ( {$65.00} a month ), which was accepted. Since XXXX, I have been receiving XXXX. The XXXX XXXX  became my only income. ( A copy of my XXXX XXXX XXXXXXXX Award letter is in the attachment for your reference ). Therefore, the funds in my bank account were coming from XXXX and should be returned to me immediately. Also, Wells Fargo Bank is well aware of the regulations regarding XXXX citizens on XXXX XXXX XXXXXXXX. How much do they collect annually for charging the outrageous {$120.00} fee for processing liens against federally XXXX customers. I would bet it is substantial. The fee should be refunded accordingly. Thank you for your time and consideration. I may be reached by phone at XXXX XXXX XXXX XXXX or email. I look forward to hearing from you soon. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (AR)

On XXXX XXXX, 2016, I received the attached letter in the mail from American Credit Acceptance, dated XXXX XXXX, 2016. The letter states that American Credit Acceptance received a credit application from XXXX XXXX XXXX on my behalf. 

This letter is some type of fraud or scam! I have n't submitted an application to XXXX XXXX XXXX this year. The letter also states that it ran my credit via XXXX. I checked my XXXX credit report, and Thankfully, as of today, there is no evidence that American Credit Acceptance accessed my XXXX credit report. 

Also, this letter states totally inaccurate information regarding the status of my credit. I have never done business with American Credit Acceptance. 

I want a copy of the credit application and the XXXX credit report that is referred in the attached letter. 

I have selected " Taking out the loan or lease '' as the closest appropriate option for this compliant. There is not an option that describes my complaint since this issue is in regards to a loan application that I did n't submit!! 
Thanks for your assistance!
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Charged a Over draft fee when the account never went negative. transactions on XX/XX/18 supposedly caused an over draft fee. but ending balance for that day was XXXX with the opening balance on XX/XX/18 was XXXX no where in my statements or ledger does it show her account going negative i have screen shots of this to provide if needed
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Used PayPal account linked to XXXX to sell an item ( XXXX ). PayPal sent me an email that the payment was received. I then shipped the purchase item and marked it as sent, along with tracking number and necessary info. After the item was sent, the payment was cancelled by the buyer and PayPal allowed the cancellation although the product was already sent and no refunds or returns was on the listing. Of course, the buyer did not return the product either as this was a plan for fraud. After filing a dispute with PayPal and calling several times, they refused to credit my account or reimburse me. They claimed it was my fault for not making sure I claimed the payment first although they were the ones who sent me an email that I had received payment. PayPal is known for doing this all the time and allowing buyers to commit fraud while leaving sellers at a loss with losing the product and not receiving payment. Furthermore, after selling another item which has been delivered several weeks ago, PayPal continues to retain the payment on hold, which should be available to me by now.
Consumer complaint received 2023-04-15
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 (WI)

ELAN FINANCIAL  Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been disputing fraud activity on my report and I am having a hard time getting them removed. I have sent in all information needed as far as a police report and all my proof of identity. I have paid off all of my debt and should not have anything negative reporting at all due a home loan to pay off everything in 2013.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (OR)

Creditor Information : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have XXXX accounts open and have only XXXX account number, XXXX amount of {$4900.00}/ account XXXX shows {$15000.00}. 
I have already paid off my student loan debt though my over XXXX years of service in the XXXX XXXX. The XXXX XXXX by contract with me under the Student Loan Repayment Program, I signed XXXX XX/XX/XXXX. The debt ( approx. {$60000.00} ) was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX : XXXX Account XXXX : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation. 


CFPB please look into this matter, so that I can get the corrections on my credit report to reflect more appropriately in accordance with the law, so that I will be able to purchase a home for my daughter and I.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent my letters off XXXX and XXXX of XXXX telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : 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 2023-04-01
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. (GA)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$6300.00}.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (LA)

This collection of debt is incorrect. I have never received any notices from this company. I have photos & videos of this service being disconnected because of damage from a hurricane named Delta on XXXX/XXXX/XXXX. The service was never turned back on because no one was living in this house. The house was moved off our property XX/XX/XXXX. This company was unlawfully charging me for a monthly service of electricity from the XX/XX/XXXX until XX/XX/XXXX. I've contacted this utility company multiple times without any response. I've tried to dispute and have heard nothing back. I have tried logging into Convegents website and it always says information doesnt match. On XX/XX/XXXX i contacted an agent from Convergent ( XXXX XXXX & she stated she can not explain why i can not log on and see my charges. This is not the only disputes this company has in our city. They have been on the news multiple times for charging people that were not connected. Im not sure what my next step is. This is the only derogatory mark on my credit. Any help is greatly appreciated.
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MO)

I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something i would like to know what the tracking number is so that i can track where this was send to because this is a clear violation of my rights and i want this XXXX XXXX account removed immediately.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$300.00} 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 2023-03-27
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (AR)

I am Submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are : XXXX XXXX Balance Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$330.00XXXX XXXX XXXX Balance Owed : {$1000.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

I HAVE HAD IDENTITY THEFT. SOMEONE OR MULTIPLE USERS RAN MY CREDIT REPORTS AND SOLD IT CAUSE I HAD PROBLEMS WITH PEOPLE COMMITTING FRAUD THAT I REPORTED TO THE POLICE AND THE XXXX XXXX XXXX. MY HUSBAND ALSO HAD MISUSED MY INFORMATION TO GAIN ACCESS TO MY ACCOUNTS AND GOT INFORMATION TO SCAM ME OR TO HURT ME. HE ALSO USED INFORMATION TO GAIN ACCESS TO MY ASSESTS AND CHILDRENS SOCIAL SECURITY BENEFITS. HE HAD ACCESS AND HACKED INTO ALL MY INFORMATION IN CYBERSPACE AND TELEPHONE NUMBERS. ON HIS ACCOUNTS AND MINE AS WELL. I HAVE HAD TO GO THRU SO MANY EMAILS AND PHONE NUMBERS BASED ON THE FACT I COULD NO LONGER ACCESS THEM. HE WAS UP TO SOMETHING THAT SEEMED FISHY BUT I DONT HAVE IT YET SPECIFICALLY.
Consumer complaint received 2023-03-25
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)

Dear Equifax , Inc., there has been an Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you. Upon receipt of notice will serve as I, XXXX XXXX ( XXXX ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( s ) ) in addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.