davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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: CORELOGIC INC (CA)

There is some inquiries in my credit file witch is not done by me details are below XXXX ( Bank ) XXXX XXXX, 2022 XXXX XXXX ( Bank ) XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX Bank ) XXXX XXXX, 2022 XXXX XXXX ( Miscellaneous ) XXXX XXXX, 2022 XXXX XXXX ( Bank XXXX XXXX XXXX, 2022 XXXX XXXX ( Miscellaneous XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX ( Bank ) XXXX XXXX, 2022 CREDCO  XXXX XXXX, 2022 XXXX XXXX XX/XX/ 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX - XXXX XXXX  XX/XX/ 2022 2022
Consumer complaint received 2022-08-02
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)

my name is XXXX XXXX I am reporting a fraudulent account opened from XXXX XXXX services under my business name " XXXX & XXXX  XXXX XXXX XXXX '' the account is now in collections totaling over XXXX and putting my business credit in a hardship this collection is reporting to XXXX XXXX XXXX, XXXX, XXXX, & Experian
Consumer complaint received 2021-05-10
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. (MN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion, XXXX and XXXX are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.
Consumer complaint received 2022-08-24
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. (IL)

Experian, XXXX, and XXXX are reporting inaccurate and unverified information to my consumer report without my written consent. I have also been affected by the recent news of inaccurate reporting from XXXX.
Consumer complaint received 2022-08-29
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX : {$0.00XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Consumer complaint received 2022-08-02
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. (IN)

Upon reviewing my credit profile I discovered three credit inquiries that I do not recognize that are being reported by Experian. According to FCRA, I am able to receive a proper investigation of what I believe to be as fraudulent activity being reported on my credit report which can in return do damage to my credit resulting in thousands of dollars. Please investigate the following three inquiries below that are listed as such on my Experian credit report : XXXX  Inquiry Date : XX/XX/2020 XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 After a fair and thorough investigation, I would like all three of these inquiries deleted.
Consumer complaint received 2022-08-29
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)

I received my updated Credit Report and it is clear that the Credit Bureaus have neglected my requests. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$340.00XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX XXXX Owed : {$2500.00}
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (NJ)

This company JHPDE 1 LLC was already on my credit report in 2018 and they never could verify that the account the trying to colect was mine and had been remove from all my credit report. Now 3 years later they came back with another name but with the same adress, In 2018 their name was JH XXXX XXXX XXXX ... How is this posible that this company is using this tactic to collect a debt a do not own???
Consumer complaint received 2022-09-30
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$430.00}
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

On XXXX XX/XX/2022 I filed a dispute for the amount of {$1800.00} for a fraudulent website posing as XXXX. Chimes investigation found that no billing error was occurred. I filed a rebuttal as well as submitted evidence of said billing error. After the rebuttal was filed, I received a notice that all of my accounts would be closed on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I inquired on what my ending balance was, as it appears that a chargeback was done on the dispute from XXXX XX/XX/XXXX for {$1800.00}, and when I would expect the check. I called the XXXX number Chime provided and then emailed after the XXXX number wouldnt answer my questions. The response I received on XXXX XX/XX/XXXX said that they would not answer any questions as my accounts were closed.
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and 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 and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-24
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. (NY)

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. 
Inquiries from XXXX XXXXXXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my birthday is incorrect which should be XX/XX/1999 my only address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX do not work for XXXX My name is XXXX XXXX XXXX needs to be removed also
Consumer complaint received 2020-11-08
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: EQUIFAX, INC. (MI)

I have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this as well.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 I am filing a compliant with the CFPB because I haven't been able to get any type of response from the credit bureaus. They are not responding to any of my letters and that is a violation of my rights according to the FCRA. I am very stressed and don't know what else to do.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (IL)

I lost my wallet that has my identity and debit cards and then someone found it and used for purchasing of item with my debit card and ID from the company called Acima with lease number XXXX since then the company they bought the item from has been disturbing me with debt collection and I have tried my best to reach out and explain things to them that I have no idea of what they talking about and they threaten to damage my credit by reporting the debt to debt collection and credit bureaus for the damage of my credit so I'm filling this report to help me put a stop to it and I will be grateful if my request can be considered..Thank you
Consumer complaint received 2022-09-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC (NJ)

As of XX/XX/XXXX I finished paying off the remaining balance on my XXXX account of {$1100.00}. Myself and the company has agreed that at the end of the month of XXXX that each credit bureau would receive a collection deletion request at XXXX 's request.
Consumer complaint received 2022-01-02
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: WELLS FARGO & COMPANY (CA)

On Monday XX/XX/XXXX I contacted My XXXX XXXX customer service about returning broken, unsafe furniture. The customer service representative said that I could not return the furniture because it had been past their three day return policy. I asked where this policy was stated and he said it was given to me and was clearly printed on the back of my deliver receipt that the delivery driver gave to me and all he could do was set up a furniture damage claim to have the furniture replaced. I told him I wanted to talk to a supervisor and dispute this policy since this was the first time I had ever heard of a three day return policy. I spoke with the supervisor and she pretty much said the same thing and started the exchange claim. 

I then checked my security footage of the day my furniture was delivered and the drive didn't give me a single piece of paper, and when I asked for a copy of what I signed, there is NOTHING on the digital delivery receipt about a three day return policy!!!! 

So I checked the website and sure enough there is NOTHING on the website about a three day return policy either!!! I then called the manager XXXX at XXXX XXXX location, and explained the situation to her and she gave me a completely different story about the policy being on a sales receipt the delivery drive gave me! I again explained to her that nothing was given to me and she said that there was nothing she could do that I would have to file a claim with the company! 

So then at XXXX on XX/XX/XXXX I get a text message from someone overseas requesting photos! I was livid about the time of day they were contacting me as I knew it was a violation of my consumer protections and rights, but I then get a completely different story from them about the how I supposedly agreed to a 3 day return policy. They then emailed me a copy of a receipt and email that I had never seen before, and the is when I decided to dispute the charge and fight this in court now! 

It is not okay for companies to lie about made up policies and then try to hold customers accountable for those made up policies! I signed and received no copies of anything that states there was a three day return policy, and I never received anything via email either!!!! 

I want my credit card company Wells Fargo to reverse the charge dated XX/XX/22 in the amount of {$1300.00} and hopefully the store will come pick up this broken and dangerous furniture! The furniture that was delivered not only has broken legs making the bed frame unusable, but there were chunks of varnish falling off, and the night stand wood was cut so crooked that the whole table wobbles making it completely unusable too!
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account DATE : [ XXXX XXXX, XXXX Reason : [ NEED IT REMOVED HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau (IL)

MEDICAL BUSINESS BUREAU has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with MEDICAL BUSINESS BUREAU yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Consumer complaint received 2022-08-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Inflection.com, Inc. (MN)

I had an employer run a background check on me and the results came back as " The social Security Number is valid. However, the name associates with the SSN do not match the individual being searched. After looking at the data, I have 3 birth dates that are not mine and 3 last names. I want to fix this so I do not have to explain this in the future.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have been making payments to XXXX XXXX XXXX for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NJ)

I had an identity theft they opened a credit card with this bank that account is fraudulent and I contacted them and they closed the account but I need to be removed from the credit bureau because it affects me. 

Account : # XXXX
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

I have a collection from CONVERGENT OUTSOURCING ( XXXX XXXX XXXX XXXX XXXX XXXX  on my account & Ive never applied for or had their services! I contacted them to explain that I was a victim of identity theft and that I needed their account deleted ASAP! This account was open before I was XXXX XXXX XXXX and if they dont have proof of a signature I need this account DELETED!!!