davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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. (CA)

Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KS)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-07
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. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX M Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-10-08
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2018-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I currently have private student loans through Navient. Recently, my school deferment was up and I had to start making monthly payments. The account statements according to Navient quoted me at about {$600.00} per month. I am XXXX years old & recently graduated in XXXX of 2017. I just started my career so I'm only making about $ XXXX {$20000.00} a year. When I spoke to Navient the first time in XXXX ( before my payments were due ) I wanted to talk about repayment options. They told me I do not qualify for any type of repayment plan nor could they offer me deferment due to financial hardship. I assume this is because I have a co-signer. I spent numerous weeks calling Navient to work something out : Week 1 - called and spoke to someone who claimed they could get my payments down to {$200.00} per month. Unfortunately we got disconnected. When I called back I was directed to a different agent who told me they couldn't go any lower than {$400.00}. I told them I would talk to my co-signer and call back. 
Week 2 - Called Navient again, spoke to yet another agent. This time I was told that due to my co-signers income I don't qualify to lower my payments AT ALL and would have to pay {$600.00}. They were unsure why someone offered me {$400.00} and said that wasn't possible. I tried to explain my co-signer is not assisting me with the payments and that she can't afford that amount either. I was dismissed and not offered any options. 
Week 3 - Called once again and spoke to someone different. They resumed to tell me that they couldn't offer me any options. I was not surprised, just frustrated. My co-signer also called and tried to explain her financial situation ( recent death in the family, out of work for almost a year, recently started a new job ) but they told her that there were no options and we had to pay the full amount. Finally, my last phone call this week consisted of me asking for suggestions on what to do. Navient suggested I refinance my loans somewhere else ( which I was never informed couldn't be done during a forbearance ) or proceed with a forbearance request. I decided on the forbearance thinking I could refinance during that time. However, that is not that case. 

I am now struggling because I can't refinance my loans without 3 consecutive monthly payments. However, I can not afford the monthly payments through Navient. I am at a loss. My only option is to unfortunately use up all my forbearance time. I do not understand how this company can't offer myself, or my co-signer, any options.
Consumer complaint received 2024-10-08
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. (KS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-11-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (NY)

The company was unable to give me a solution to problem, and have taking out {$1000.00} for a loan which I ask them, on XXXX I call and ask chase auto loan what is their solution to my car that had been hit, and left me out of work for 3 months now, and I'm still recovering form the accident, and they refused to find me an alternative instead they leave me n hold for a long period of time, and I call many time after that, and they refused to give me an alternative. they reason I want an solution cause my income have been depleted because of them taking money out, and I'm very behind in some of bill. the chase customer service are nasty and hand up on me. all I want is fair solution because i'm only receiving worker compensation, and they only want to raised the price on me
Consumer complaint received 2024-10-08
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why. When I checked as I normally do, I was shocked to see discrepancies. I even refreshed my browser thinking it might be an error, but the unauthorized inquiries remained. This issue needs to be resolved immediately, and I request that the documents I've provided be reviewed carefully to ensure this never happens again. I'm extremely frustrated by this situation.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

At XXXX on XX/XX/XXXX I received a phone call and the caller ID said Wells Fargo XXXX which is who I bank with so I answered. The phone number that called me was XXXX, which belongs to the Wells Fargo customer service line. When I answered it was an automated voice asking me if I had made a large transfer. The automated voice said that I received a text and to verify my identity with the XXXX digit code that was texted to me. I received a text from the number XXXX. The code was XXXX. Once I inputted the code the automated voice asked me to press 1 if I did not authorize a large transfer today. I pressed 1 and then the automated voice said that that was all they needed and that they would contact me if anything else was needed and the call ended. I then received a phone call from the Wells Fargo at XXXX the same day XX/XX/XXXX from the fraud detection department informing me that there was a wire transfer in the amount of {$16000.00} leaving from my Wells Fargo savings account # XXXX. The representative said that the wire went to a XXXX XXXX XXXX  account belonging to a XXXX XXXX. I do not know this person. I explained that I did not authorize this wire so the representative recalled the wire. The claim number is XXXX. Over the course of the past 2 weeks I have been calling every day for an update as I hadnt received my money back, and there was not an update provided. On a couple of occasions when I called, I was asked to re-tell the story of what occurred. I called today XX/XX/2022 and was notified that my claim had been denied and that there was nothing that they can do. I did not authorize this transaction, I am a victim of fraud and Wells Fargo did nothing about it. I need my money back as this fraudulent activity has put my family in financial distress and Wells Fargo did nothing.
Consumer complaint received 2022-02-10
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. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (DC)

Hello, Starting in XX/XX/year>, XX/XX/year>, XXXX ending on XX/XX/year>, somebody has been using a XXXX and XXXX account daily multiple times a day using my debit card. Ive been driving since XX/XX/XXXX, so I havent used XXXX and XXXX since then. I had received a text message in early XXXX stating that this is Navy Federal, your card has been locked. To unblock your card, enter your account login here. I clicked the link and entered my account information not knowing that it was a spam text. Navy Federal bank then informed me that the text message I received was indeed a fraud text. The amount used was around {$3000.00}. I noticed yesterday and called Navy Federal Credit Union and filed a claim with the fraud department as they denied it because I previously have used XXXX and XXXX. Navy Federal issued me a new card and account number but denied my claim today at XXXX. Its awful that I am being denied to get money back that I never received.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX - Account settled. According to IRS guidelines, a 1099-C reports it as income. I want the settlement status removed. Experian is also showing it as a late payment. 
XXXX XXXX XXXX # XXXX. Disputed the incorrect balance, Experian updated as correct. 
XXXX  XXXX # XXXX. Disputed amount owed, Experian still updated incorrect amount. 
XXXX XXXX XXXX # XXXX. Disputed account with Experian. Requested original documents to this account. Still reporting as correct. 
XXXX XXXX XXXX  # XXXX. Disputed account with Experian. Requested original documents to verify account. Still reporting as correct. 
XXXX XXXX XXXX  # XXXX. Disputed account with Experian. Requested original documents to verify account. Still reporting as correct. 
XXXX XXXX XXXX. Experian reporting as late. Account is paid in full. 
XXXX XXXX XXXX. The debt is reported as written off, which makes it taxable and needs to be removed from the credit report. Experian is reporting it as updated info. 
XXXX  # XXXX. Account charged off, per IRS it is taxable. Experian reporting updated. 
XXXX XXXXXXXX XXXX XXXX Experian reporting Account as open. Account is closed. Paid off. 
XXXX XXXX XXXX XXXX # XXXX. Account settled, which makes it taxable income. Experian reporting as updated and correctand as late payment. 
XXXX XXXX XXXX XXXX. Disputed balance. Balance paid off. Experian reporting updated, {$610.00} balance.Requested original documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian reporting balance of {$820.00}. Requested original documents. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Requested original documents to account. Being charged for equipment, that I was not responsible for. Experian reports info as correct.
Consumer complaint received 2018-11-03
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. (IN)

Equifax is continually ALL of XX/XX/XXXX and most of XX/XX/XXXX reporting Fraud. Equifax was sent NUMEROUS TIMES!!!!!!!!!!! A Police Report, Notarized Sworn Affidavit and ID theft Report. The XXXX WHO WORK at Equifax Refuse to supply to i, any proof or evidence that the Account ( s ) i have disputed are considered by Equifax to be valid. EVERY ACCOUNT EQUIFAX IS REPORTING ON THE XXXX XXXX XXXX CREDIT REPORT IS FRAUD. 99 % of the Account ( s ) that Equifax is reporting, HAS BEEN REMOVED FROM THE OTHER TWO CREDIT REPORTS BY THE SO CALLED CREDITORS THEMSELVES. The accounts are NOT MY ACCOUNTS, NOT MY DEBTS. Equifax is in violation of Fair Debt Collection Practices Act and the Fair Credit Reporting Act. There is NO HIGHER FORM OF EVIDENCE then Sworn Affidavit ... .Yet Equifax has Ignored the LAW, the RULES THAT GOVERN THEIR ACTIONS. This report will be used against Equifax in Court.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I was a victim of XXXX fraud on XX/XX/XXXX for {$2000.00}. i did not authorize or personally send this money. when i filed a fraud claim with wells fargo i was denied due to " the transaction being made by you or someone who had your permission to perform transactions on your account '' which is not the case. When i originally made the claim i was credited {$2000.00} and then received another letter on XX/XX/XXXX stating they were going to reverse this credit again taking half my savings. 
I have already appealed the closed claim.
Consumer complaint received 2021-10-03
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: DISCOVER BANK (GA)

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fiar Credit Reporting act XXXX  account Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX  Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX has violated my right 15 U.S, C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A.section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.