davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-10
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. (CA)

I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all three bureaus -  XXXX , Equifax and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my Equifax credit report i n 2015.  This was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and Equifax had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in Equifax 's case, the fraudulent inquiry.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (NV)

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against XXXX for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding their improper reinsertion of negative information on my credit report with XXXX. 

**Consumer Information : ** - Name : XXXX XXXX XXXX - Social Security Number : XXXX **Creditor Information : ** - Company Name : XXXX - Address : XXXX TX XXXX of the Complaint : ** I recently obtained a copy of my credit report from XXXX and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 

XXXX. **Date of Negative Information : ** XX/XX/year> the date when the negative information was first reported ] XXXX. **Nature of the Debt : ** XXXX showing {$170.00} on XXXX partial account number XXXX XXXX. XXXXPrevious Resolution : ** information was disputed and deleted for not complete account number verification. 

Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or XXXX and XXXX ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. 

**Requested Resolution : ** I kindly request that the CFPB investigate this matter and take appropriate action against XXXX  for their failure to comply with the FCRA XXXX Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Addresses on my TransUnion and XXXX are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, OH
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have sent certified letter to Equifax, XXXX, and XXXX to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX /opened XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Consumer complaint received 2017-06-10
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. (TX)

I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times.   Account :   XXXX   XXXX    XXXX
Consumer complaint received 2024-11-13
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. (DC)

This is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information on my consumer report.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re investigated. 

XXXX XXXX Account # XXXX- This account is reporting incorrect Open Date, Incorrect high credit limit, Incorrect Last reporting date, Incorrect date last active, Incorrect date of last payment. 

XXXX XXXX Account # XXXX This Account is reporting incorrect Open Date, Incorrect Account Number, Incorrect Date Last Active. 

XXXX XXXX XXXX  Account # XXXX This Account is reporting incorrect Open Date, Incorrect date last active.

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-11-13
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. (TN)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy T have never been late on payments for the account ( Account Name XXXX ) : ( Account Number XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After reviewing my credit report I discovered accounts that I did not recognize or applied for upon further investigation I realized that my personal information was exposed in several data breaches as well I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit per section 15 USC 1681 C-2 any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days These fraudulent accounts are not only damaging my credit but also causing me significant stress XXXX  I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

If XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are truly mine then explain this written communication from XXXX. I think Equifax has been caught lying. 

In order to verify the accuracy and completeness of the item ( s ), we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. In response to the investigation, 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 XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX were deleted from your XXXX credit report .
Consumer complaint received 2017-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

I bought hard drive s at Amazon, and used their 6-months no in terest payment plan financed via Synchrony Bank using my checking account.  <P/>  I made timely regular payments until Synchrony changed their website. Then my payments were deemed late, and Synchrony charged me a {$25.00} late fee for each late payment. I called Synchrony, had them rem ove the {$25.00} fee, and made the payment over the phone with my debit card.  <P/> But Synchrony continued to deem each future monthly payment late, with a {$25.00} late fee. Each time I called them, I had the {$25.00} late fee removed, and paid the payment over the phone via my debit card.  <P/> I made a detailed written record of each of my calls. Attached are my detailed notes. Please note my  XX/XX/XXXX  conversation with  XXXX  of Synchrony Bank. After she did a detailed analysis of my account and payment record, she concluded that my account information was correct, and that everything was Synchrony Banks error.  <P/> I have highlighted in yellow on my notes her statement that Synchrony Bank made the error.  <P/> After a late payment error occurred again in  XX/XX/XXXX , I made all future payments starting in  XX/XX/XXXX over the phone, via my debit card, and requested a confirmation number from Synchrony Bank for each payment.  <P/> I paid off my entire balance within the six-month, no interest period.  <P/> However, several months later, I checke d my Amazon/Synchrony Bank ac count, and noticed that Synchrony Bank had closed it.  <P/> Since I anticipate using the Amazon/Synchrony six-month no interest payment plan in the futureand having received no real help from SynchronyIm requesting CFPBs kind assistance.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My federal student loan was XXXX due to XXXX XXXX XXXX  XXXX ( XXXX ) as of XX/XX/year>. I informed the credit bureaus Transunion, XXXX, XXXX and the loan servicer XXXX, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

Hello, my name is  XXXX   XXXX . I have tried to no avail to get assistance with AES/ XXXX  customer service on so many occasions that I can not remember them all.   I have been told that my account was so far gone that even if I did make payments the interest alone was so high that I would not be making payments on the loan amounts for a long time. I have tried emailing, calling, and sending requests through the online mailbox on website. As you can see, these loans have been in existence for some time. I decided to go back to college and get my special education license to be able to make more income and do the job that I loved. Through those college years, I was only offered forbearance 's and deferments on the loans indicated below and as you can see the balance of each loan has either doubled or tripled in size, the payments are more that what any college graduate could possibly pay with no jog right out of college, and no other options were given from  AES an d I have contacted  XXXX  Several times as well. I do not know what to do about this situation.  XXXX  has ruined my credit by placing prior accounts into default on my credit report when in turn they were just being transferred to another servicing company for their accounts. I get no help or attention from the customer services nor any advice about how to help.   I have had to dispute abou t 8  different postings to my credit that were not even supposed to be there to begin with. Some of them have been repaired but I am still filing to get the others reconciled but I feel that even though they are reversed they still remain there as a reminder that I should have been more informed about private loans and done something different.     Date Disbursed Loan Program Original Balance Current Balance Outstanding Interest Interest Rate Monthly Payment Past Due Current Due  XXXX   XXXX / XXXX / XXXX  AADTC {$12000.00} {$18000.00} {$170.00} 6.500 % {$100.00} {$100.00} {$100.00}  XXXX   XXXX / XXXX / XXXX  AASC {$11000.00} {$22000.00} {$93.00} 11.750 % {$220.00} {$0.00} {$220.00}  XXXX   XXXX / XXXX / XXXX  AASC {$18000.00} {$32000.00} {$130.00} 11.500 % {$310.00} {$0.00} {$310.00}  XXXX   XXXX / XXXX / XXXX  AASC {$9500.00} {$15000.00} {$57.00} 10.740 % {$130.00} {$0.00} {$130.00} I do not know where else to turn or what to do. I guess bankruptcy that would definitely negatively affect my credit because they have given me no other alternatives.   XXXX   XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized XXXX  party.
Consumer complaint received 2017-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

As part of the usual annual re-certification process for income-drive repayment plans, I submitted requested documen ts ( t ax returns, etc. ) to FedLoan Servicing in order to have my new amount calculated based off last year 's income. All documents were submitted on time ( in  XXXX , for a new amount to take effect in  XXXX   ) . On  XXXX / XXXX / 17 , FedLoan sent an email notifying me that they had received my re-certification documents ( proof of email attached to this complaint ) for my repayment plan. Several weeks later, I called FedLoan for an update. No information was provided as to when I may expect the process to be complete. On  XXXX / XXXX / 17 , I again contacted  FedLoan  via email as to an update on the process. I have yet to hear back any respon se. My 12-  month  period for paying my current amount will cease this month, with a new calculated amount to begin  XXXX ,  2017 . Furthermore, and at the same time, I have had an issue with FedLoan re-certifying my employment. As this is a separate ( but still relevant ) issue, I will not go into details as it has since been remedied after a complaint to the BBB was filed. I have yet to receive any update whatsoever on my newly calculated monthly payment and a new amount is to begin in  XXXX . If a new amount is not calculated/entered into the FedLoan system, my payments will revert and sky-rocket thousands of dollars per mont h (  loans totaling  250k+  ). I need your help, as this is an ongoing and burdensome issue th at FedLoan seems to have zero interest in remedying.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I am filing this complaint to address an issue with late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response or satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.
Consumer complaint received 2017-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

On X/XX/17 I received communication from this company Transworld Systems INC of a debt which is currently being paid monthly with no missed payment to XXXX. They are yet another company that XXXX is attempting to use to try and discredit my credibility. I do n't deal with collection agencies I pay my debts to creditors as I have been from day one with XXXX I would like to charge XXXX and even this company if they continue to harass me for payment of an account I 'm paying. They are in violation of FCRA and I 'm tired of the harassment. I do n't owe XXXX nothing, I 'm paying them every month. I will not pay anyone else for the debt simply because I have no signed contract with them including this company. Unless this company can provide valid proof of this account not being paid to date. I suggest they allow XXXX to continue to receive payments until it 's paid and cease any further contact harassment with me for XXXX. I 'm including again valid proof of all payments to date in this matter.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX