davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-07-26
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: ENCORE CAPITAL GROUP INC. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX t, XXXX XXXX XXXX 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
Consumer complaint received 2022-06-06
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and Transunion they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX California Case No. XXXX. 
On XXXX and Transunion- the false reporting did not happen until after i already filed the lawsuit against XXXX/US Dept of Ed . I showed both XXXX and Transunion that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against Transunion and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name XXXX and Transunion in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-12-10
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: AMERICAN EXPRESS COMPANY (IL)

I recently opened a dispute with American Express regarding a transaction of {$1600.00}. American Express kept postponing the dispute decision. After a while, they closed the dispute since they believed " according to the transaction '' circumstances they couldn't verify that the merchant failed to deliver the product. 

This is completely disgraceful since I provided them with proof that the merchant failed to deliver such goods. This leaves worried and anxious to use American Express again because I feel that merchants can get away by breaching the rules of terms and service and AMEX can't do anything about it. 

I am extremely mad and frustrated.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This information is not mine and is included on XXXX and Transunion reports : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX This is included on Transunion report XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX These are both addresses that my ex used to commit tax fraud. 
XXXX info : XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (GA)

EXPERIAN AND XXXX ARE REPORTING INACCURATE INMFORMATION ON MY CREDIT. THEY KEPT ON PUTTING THIS ON MY CREDIT. I JUST WANT THIS ITEM DETLETD OFF MY CREDIT
Consumer complaint received 2022-11-01
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. (MD)

Someone unknown hacked into my credit accounts with the XXXX Credit Bureaus, lifted the freezes I had in place, changed my username and passwords and email address so only they could access my accounts. They then stopped XXXX mail delivery to my address and set up a bogus XXXX XXXX XXXX account to control access to delivery information about my mail. 

They then tried to get a XXXX XXXX XXXX XXXX XXXX with my identity information and credit report information. 
I was able to get my credit reports frozen again with XXXX and XXXX after much work. But Experian was completely unresponsive and unhelpful. I could not even get access to live agents to explain my problem unless I pretended to be a XXXX XXXX from overseas ( Automated phone system will NOT give you a live agent. ) I am still not certain this unknown party can not still access my Experian Credit Account. 
I made reports to XXXX XXXX, to the XXXX XXXX XXXX MD police ( report # XXXX ) and the XXXX Inspectors ( reports # XXXX and XXXX ).
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : Transunion- is showing the account is closed on XX/XX/XXXX. Also, it's showing a late payment in XXXX and XXXX of XXXX. The XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the XXXX report, you'll see all the payments there ( and if need be I'll send screenshots too ). // XXXX- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with Transunion XXXX XXXX. Even the balance histories vs. the calendar doesn't match up correctly. The balances between Transunion vs. XXXX alone doesn't match up. The XXXX balance is showing as {$240.00} and XXXX  days past due. // XXXX XXXX Now looking at XXXX XXXX XXXX shows good standing, which is different from the other two. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to XXXX, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other two reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " XXXX XXXX XXXX '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.
Consumer complaint received 2022-09-15
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX  XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account 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
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OK)

On Tuesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It appears Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So, seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Consumer complaint received 2022-11-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-07-17
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. (CA)

All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from Experian and XXXX that have XXXX reporting my car lease/loan. Please tell me why my credit score is docked when XXXX reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources XXXX XX/XX/XXXX confirm # XXXX p. XXXX and Experian XX/XX/XXXX report # XXXX