davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CL Holdings LLC (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. with no account number has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting angency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NY)

On XX/XX/XXXX I ordered a couch from XXXX. I tried to cancel the order but the merchant refused. Then I tried to schedule delivery of the couch and the merchant still refused. So I paid XXXX and was not able to receive a refund or the couch back. I filed a dispute with Citi bank but the bank told me I was responsible because I classified the dispute as " cancelled item '' rather than " missing item '' As proof I was provided an email chain between the vendor and an email address I don't even recognize. The vendor never contacted me and never delivered my item and yet Citi won't refund my money.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal piece of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (CO)

I was charged for services they were not completed. Never received results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was told to go home. I never received a bill for the debt and then was contacted by Americollect about the balance. I told them what happened and they advised the amount would be taken care of. I thought it was fine since no other contact or correspondence was sent.
Consumer complaint received 2021-10-19
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: TRANSWORLD SYSTEMS INC (IL)

OPENED XX/XX/2021 {$1200.00} Collection agency ( XXXX ) I've reached out to the companies XXXX, XXXX, and XXXX XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to XXXX, XXXX and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verified First, LLC (NC)

The last charge on my record says XXXX by trick. They are trying to say that I tricked someone out of their money. It was not me and I have been trying to get this charge removed from my record, but it is not easy to do.. please understand that I have no control over it being on my record but it is not me and I don't know what I need to do to let employers know that I am working hard to get it removed
Consumer complaint received 2019-07-01
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: Nelnet, Inc. (GA)

Nelnet is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX  for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure. 
2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy.

XXXX is already in deep legal issues when it come to this account as Nelnet and XXXX have created acts of forgery.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX ofXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a po box and a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

In XXXX of XX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I contacted Lexus Nexus last year by email. I provided my information for them to identify me and I was replied to by saying I could request my consumer report. So I decided to call and asked if they verified my Bankruptcy and the first rep told me no that the Credit Bureaus did. I told her that is was impossible because two of the Bureaus said it was either the Bankruptcy court or Lexus Nexus. So I ended up having to call back. The second rep told me when I ask was that it was the Bankruptcy court that verified my Bankruptcy. So when I asked for proof of that so I can give it to the Bureaus amd court. I was denied that information because they said it was no way to provide me with that information unless I as for a consumer report. So I decided to write them and provide my information again to prove my identity and I received a letter again telling me that they couldn't authenticate my identity. Which I find strange, because when I call them that 1 time they only asked me for my last for digits of my social, address, name, amd DOB. And that's the same information I provided in the email originally. I also must add that along with the letter sent was copies of my License and Social Security card
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (MO)

After filing a complaint yesterday against equifax for not resolving a dispute that was inaccurately filed .. equifax responded and still said that XXXX XXXX balance was XXXX and its actually XXXX. How do things as important as someones credit get unresolved. Not only were the other disputes not resolved but XXXX XXXX still shows alarms balance.
Consumer complaint received 2021-10-19
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. (FL)

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE WERE ITEMS THAT WERE DELETED DURING MY DISPUTE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY PREVIOUS LETTERS. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2020-02-09
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: ID Analytics, Inc. (NC)

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

My personal account was frozen for verification purposes and that caused a transaction to be denied with Sears master card through Citi bank. Because of that transaction, every time a payment is made to the credit card the funds are held for up to 10 days. The funds are taken from my bank account and showing posted with the credit card company yet the funds do not become available. This situation has been going on for over 2 months and there is no one that can remove that from their system or help me with releasing the funds. 

I have even made cash payments directly to them and the funds are still being withheld.
Consumer complaint received 2021-11-11
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: CITIBANK, N.A. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are reporting inaccurate information on CITI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (IN)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-04-19
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. (CA)

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. 

XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
Dept Of Education/XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX 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 2019-07-01
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: DISCOVER BANK (OH)

On XX/XX/XXXX at XXXX XXXX  I made an electronic payment to XXXX XXXX for {$160.00}. I received an email confirmation during that evening. On the morning of XX/XX/XXXX I saw in that email confirmation that the transfer went to Discover, not XXXX. I called XXXX as soon as they opened. I was informed that I needed to wait until it processed to have it reversed, as they could not stop the payment at this time. 

I checked the status multiple times and as soon as I saw it cleared on XX/XX/XXXX, I began my struggle and every other week conversations with Discover ( an account I do not have and XXXX XXXX. I spoke with multiple representatives, in varying departments ( customer service, disputes, resolution, escalation, payments ) at Discover - mostly frustrated but a couple times feeling this is finally over. Then after a couple months the charge is back. XXXX, at XXXX in XXXX XXXX, Ohio has been great through this whole thing - even in XXXX/XXXX on a three way call with myself, XXXX, and XXXX ( from Discover resolutions ) - thinking this time was the end, but not. 

XXXX did a reversal and put the money back in my account on XX/XX/XXXX. Then that was reversed and taken back out on XX/XX/XXXX. 

Discover processed a temporary credit for missing payment of {$160.00} for missing payment on XX/XX/XXXX, then reversed on XX/XX/XXXX. Then again processed a temporary credit for missing payment of {$160.00} on XX/XX/XXXX, then reversed on XX/XX/XXXX. 

That brings us to today, the money is gone from my XXXX account, Discover says the account does not exist - even though I have given them the exact account number, electronic transfer information and have the correct address and all information. I have faxed them bank statements, transfer reports, various information requested multiple ( repeated ) times. ( That is {$1.00} per page and going to the library every time ). The most recent of those on XXXX, XX/XX/XXXX ( I have the transmittal confirmation ) - there have been many others and e-mails. I have spent so much time on the phone - receiving and calling. It has taken valuable time away from my family, work, and life - not to mention the frustration, anger and resentment created. 

I expect the credit to be applied by Discover and compensation for the time lost due to the constant contact with them ( and XXXX ) during these last almost nine months. If you need any additional information please contact me at XXXX or XXXX. 

Thank you so much, XXXX XXXX
Consumer complaint received 2021-11-11
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ;
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

In XXXX I spoke to a lady from navient and she mailed me documents for income driven repayment plan so I got approved and I called navient the operator and it is telling me I do not have a payment due at this time I needed this due to financial hardships. I look at my credit report and it says needs attention why??? I do not owe a payment to navient and if I did I wouldnt let it go into default or become a late payment I needed help and I got approved for a income driven repayment but now its affecting my score and its incorrect
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (OH)

On XX/XX/2019 I made a purchase of three items from XXXX. On XX/XX/2019 I received a package from that merchant with the correct name and tracking number, however the contents of the package was not what I ordered. I contact the aforementioned merchant, explained the situation and was advised of the following : XXXX stated via chat that they understood I received the wrong items. They further stated thats I received the wrong package by error and that my package was still enroute. They advised to wait 2-3 business days and I should have the items I ordered, I simply received someone elses package by mistake is what they continued to advised. I proceeded to wait 2-3 business days, however the second package with the correct order never arrived. I contacted XXXX several times after that and was told they could not send a replacement order to me. 
I again explained that a package had arrived it just had the wrong items. 
I received no assistance from XXXX. I then filed a dispute with my Discover card. They stated that XXXX advised my order was shipped/delivered to me and they ruled in XXXX favor. I contacted Discover, who had incorrect details of my dispute and they re-opened my claim. Today, they ruled once again in XXXX favor. This issue is this, Im not contesting whether or not I received a package, Im disputing the charge because I did not receive what I ordered. I offered to send the incorrect item back however was told bun XXXX that it was not necessary and that my correct order will be arriving within 2-3 business days. 
The amount was {$290.00}.
Consumer complaint received 2022-08-03
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: Allied Collection Service, Inc. (Indiana) (IN)

Contacted credit agencies several times to fix the problems and they reported back incorrect and inconsistent information. 15 U.S.C. 1601/ 15 U.S.C . 1681/ 15 U.S.C . 1637/ U.S.C . 1691 15 U.S.C. 1692
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Employer : XXXX