davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXXXXXX XXXX XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit card is on auto pay, and the auto pay was not working. XXXX XXXX card there was just a service fee. Now it is showing 30 days past due because the auto pay didnt work, so just for a service charge. Changed auto pay info and paid past due balance. Dont want a service charge to report on my credit report as past due. Please fix
Consumer complaint received 2023-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

I submitted my PSFL form for the determination of COVID criteria to MOHELA on XX/XX/XXXX. I never received confirmation of submission, so resubmitted on XX/XX/XXXX. 

MOHELA chose to CANCEL both PSLF  determination forms due to " duplicate submission '' but their online portal says they have been " Processed '' and notification of determination would be sent in 7-10 days. I have screen shots of the website to document this. I called after finding about the cancellation on XX/XX/XXXX - and they said they would reprocess the forms. It appears they chose to just CANCEL the whole process on XX/XX/XXXX. 

I was never notified of anything during this process. No phone call. No email. No letter. All of my contact information is up to date. 

I would like my on-time PSLF form to be honored and processed ASAP. It was submitted nearly 6 months ago and they have literally done nothing to honor this federal decision of which I followed all instructions. They have lied to me about the submission status and used their own processing mistakes as a means to drag this out.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

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

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several address ' listed for me that I never lived at. One of them is actually someone that hacked into my account and committed fraud. The other address ' either belonged to my ex-boyfriend, my ex-husband or my brother, but I never lived there : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX ( my ex-husband lived there ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( my brother lived here ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my ex-boyfriends. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( again this is my ex-boyfriends house. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my brother 's apt ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( this was the person that hacked into my accounts and committed fraud ). I filed a fraud report )
Consumer complaint received 2023-04-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX XXXX and XXXX XXXX but how is that possible if the amount on XX/XX/2022 is reporting inaccurate information. I have tried to fix it with furnisher and consumer reporting agencies but it has only stressed me out more. They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer report.
Consumer complaint received 2022-04-22
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)

i have new evidence equifax is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure.
Consumer complaint received 2022-12-04
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: Bridgecrest Acceptance Corporation (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Subject : Immediate Action Required : Erroneous Charge-Off Entry by XXXX XXXX To Whom It May Concern, I am reaching out to address an urgent and unresolved issue with my credit report, which involves an inaccurate charge-off entry reported by XXXX XXXX. Despite previous attempts to rectify this matter, the following critical inaccuracies remain uncorrected : Account Details : * Creditor : XXXX XXXX * Account Number : XXXX XXXX * Account Status : Charge-Off * Account Type : Installment * Date Opened : XX/XX/XXXX * Remaining Balance : {$0.00} * Last Payment : XX/XX/XXXX Primary Issues : 1. Incorrect Payment Record : The account erroneously shows a payment made in XX/XX/XXXX, which is not accurate. My records confirm no payments were made after XX/XX/XXXX. This error violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) regarding the accuracy of information.

2. Inaccurate Charge-Off Status : The account is misclassified as a charge-off. Per IRS guidelines and standard credit reporting practices, this account should be reported accurately, reflecting its settled or paid status without negatively impacting my credit report.

Legal Violations : * FCRA 1681e ( b ) : Mandates that consumer reports must be accurate.

* FCRA 1681s-2 : Requires furnishers to provide accurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the reporting of inaccurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Obliges prompt correction of reported inaccuracies.

Consequences of Errors : * Credit Score Impact : The erroneous charge-off has unjustly diminished my credit score.

* Financial Impact : The continued presence of incorrect information affects my financial health and creditworthiness. 
Requested Action : I demand the immediate deletion of the erroneous charge-off entry from my credit report. Given the severe impact this incorrect information has had on my credit profile, a mere correction is insufficient. I expect this issue to be resolved within 10 days. If this matter is not addressed promptly, I will pursue further actions, including legal remedies, to protect my rights. 
Thank you for your attention to this urgent request.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is reporting an account from XXXX as a charge off on my credit report. The date of last activity is incorrect. It is more than XXXX years old. I have tried to get this removed and they refuse to do so. 
I have also disputed this directly to XXXX and they do not respond.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (GA)

I have settled my past eviction notice balance with XXXXXXXX XXXX XXXX  for XXXX XXXX for {$710.00} on XX/XX/XXXX, & it is still on my public record. I want it removed. This eviction was 4 years ago in XXXX. This is ridiculous. It's been settled and paid. I'm trying to move on and this isn't helping.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

Ive received my credit report in the mail after I requested it because I got denied a checking account from XXXX XXXX XXXXXXXX. My chase account was also closed and I believe it was hack for some because I see a transaction from XX/XX/23 that I never seen till now.
Consumer complaint received 2019-03-30
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: FORD MOTOR CREDIT CO. (MN)

Ford Credit previously agreed to remove a single missed payment from the consumers credit report. 

Supported documentation of agreement is attached. 

Stated persons credit report displayed/updated, with all 3 credit reporting agencies, in accordance to reflect documented agreement between the individual and Ford Credit. However, Ford Credit has  defaulted to reporting the missed payment. All 3 credit bureaus are, again, reporting a 30-59 day missed payment XX/XX/2018. This in return has compromised consumers credit score. 

Consumer has sent concerned complaint to Ford as well as to all 3 bureaus without resolution.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
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. (WA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: SERVICEMAC, LLC (NY)

Dear CFPB officer, I have contacted both your department & the company ( XXXX  ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to 128 points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Dear CFPB officer, I have contacted both your department & the company ( XXXX ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to XXXX points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called Transunion on XX/XX/XXXX because I noticed that some inquiries had reappeared on my credit report that weren't there before. Come to find out they had deleted them on accident and put them back on without notifying me first. I found out that its illegal and asked them to be removed but they weren't. Here 's a list of the inquiries XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX Acc Inquiry from XXXX XXXX XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXXXXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance
Consumer complaint received 2022-04-25
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-03
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. (CT)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS BEING REPORTED ON MY CREDIT ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TOTHE ACCOUNTS THAT ARE BEING DISPUTED.
Consumer complaint received 2020-12-04
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. (OH)

As of XX/XX/2020 I received notification from XXXX  that the results of my third attempt to amend incorrect data on my consumer file was deemed accurate by the creditor. To add insult to injury, not only did XXXX  not remedy my file but they added additional incorrect reporting, which continues to hurt my credit worthiness. 

Despite me providing XXXX  with supporting documentation in writing to subsequent my claim, along with specific instructions to remove those inaccurate items and provide me with the tools they used to verify their decisionI was unable to preclude any of those items. 

On XXXX, XXXX I spoke with an XXXX  representative over the phone to air my grievances. We both agreed that the information was being reporting inaccurately. However, he advised he was unable to amend anything on his end without the confirmation from the original creditor. I then asked, if we both agree that it's inaccurate where does the responsibility fall on XXXX  to remedy the situation. Also, why isn't XXXX  being transparent about the investigation tools that are or are not being used to satisfy my claim. 

I feel both XXXX and the original creditor ( US Dept of Edu/Nelnet ) are in violation of the FCRA. I reached out to the creditor directly for resolution and they were unable to provide documentation to support the inaccurate information on my report. 

Someone has to step in. This is not ok
Consumer complaint received 2021-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AK)

In XXXX we took out a Home Equity Line of Credit ( HELOC ) with Wells Fargo Mortgage ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) which was recorded with the state of Alaska on XX/XX/XXXX. This HELOC ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) was paid in full on XX/XX/XXXX but the Deed of Reconveyance was not recorded with the State of Alaska until XX/XX/XXXX by Wells Fargo Mortgage. On XX/XX/XXXX we had applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. From XX/XX/XXXX until XX/XX/XXXX XXXX XXXX attempted to obtain a copy of the Deed of Reconveyance from Wells Fargo Mortgage to no avail. On XX/XX/XXXX XXXX XXXX notified us that we were no longer eligible to refinance due to the apparent lien still on our property. Due to Wells Fargo Mortgage 's negligence in recording this Deed of Reconveyance we were unable to refinance our home with XXXX XXXX.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (CA)

Hello, I have an account on my credit from a company called XXXX XXXX XXXX XXXX. I sent them a dispute because I had never heard from them, nor had I ever heard from the original creditor about the alleged said debt. According to them they are collecting on behalf of XXXX XXXX?? 

There is currently and has never been an account on my credit from XXXX XXXX. I have never even heard of them before. However, I received an alert about my credit that XXXX XXXX XXXX XXXX placed account number XXXX on my credit in this regard. 

I immediately, contacted them by way of a certified letter which they received. They have failed to respond to me, it's has been over 45 days. The account remains on my credit and they changed the status to report as closed. The account doesn't not belong to me and it need to be removed.