davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (AL)

I submitted a complaint last XX/XX/XXXX, XX/XX/2023 and XX/XX/XXXX and they were all closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB closed my complaint because it has already processed your earlier complaints about this problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (HI)

I am refinancing so I have been checking and correcting my credit reports with the XXXX main agencies. I have paid both Experian and XXXX for a " XXXX Bureau Report with Score ''. 
The problem is a discrepancy between what Experian reports XXXX score as and what XXXX reports my score to be. I understand they use different scoring scales and their propriety credit models to determine their scores, but I do not understand why Experian would report XXXX score so much lower, compared to Experian and XXXX, than the score XXXX gives me for all XXXX credit rating agencies. 
XXXX XXXX, 2015 Experian reported the XXXX Bureau Scores as below : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the There Bureau Score as XXXX Experian XXXX XXXX XXXX XXXX XXXX I do n't understand is why XXXX reports all scores to be about equal but with the Experian report , the XXXX score is about XXXX points below Experian and XXXX.
Consumer complaint received 2017-09-09
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. (TX)

Equifax security breach compromised my information. This event became know to me on X/X/17.  Equifax alerted the public. I was able to cross reference and determine that my information was compromised. I will place a freeze on my credit.
Consumer complaint received 2017-09-09
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. (MD)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected on XX/XX/XXXX. I received no email, letter, or phone call and instead had to discover it via social media on XX/XX/XXXX.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have called and disputed my personal information with transunion more then 3 times and everytime my information is not correct or removed! 1. My name is XXXX XXXX! No other name should appear. 2. Only address is XXXX XXXX XXXX, XXXX IL XXXX, no other address should appear 3.phone number is XXXX no other number should appear! 4.only emplyrr is XXXX XXXX , no other employer should appear!!
Consumer complaint received 2017-09-09
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. (TX)

Equifax, willing or not, has put me at risk. By not protecting my consumer/credit info on any and all data systems in use by Equifax, Equifax has not acted with due diligence to provide my account info with a reasonable level of privacy. As Equifax is a " one-stop '' entity housing all of my consumer/credit info, they have provided, willing or not, a means for unauthorized parties access to sensitive info that may put an unfair burden on me to maintain my credit health going forward from the date of the Equifax breach. As a consumer, I have done my due diligence to maintain, update, correct, and protect my credit ratings and history. I believe Equifax should be required to provide me, without cost to me, a 7 year Extended Fraud Victim alert service and agree to reimburse me any money amounts I may incur as a result of the Equifax security breach. Further, Equifax should compensate me, at a rate of $ XXXX/hour any time I spend disputing/correcting any fraudulent use of my credit information, for the duration of 7 years beginning with the date Equifax became aware that my credit info was compromised by way of Equifax 's data systems.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Per the credit report attached, a payment arrangement was made via XXXX on behalf of University XXXX XXXX. The first on-time payment was made XXXX/XXXX/2016. The next payment scheduled is on XXXX/XXXX/2016. 
In reviewing my credit report Experian has reported late payments in XXXX and XXXX 2016 is incorrect. 
Upon reviewing my credit report, I contacted XXXX and was told they did not report this information to Experian. So Experian has to correct immediately!
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (GA)

On XXXX/XXXX/17, I received notification from XXXX that a debt from a collection company by the name of FINANCIAL BUSINESS AND CONSUMER SOLUTION was verified as accurate. I have never heard of or entered into any agreement or contract with this company. I am requesting written proof of any debt that I have with this company. I am requesting the name, address, phone number, and a signed contract that validates this erroneous debt.
Consumer complaint received 2017-07-29
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. (CA)

We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and on XX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In theirXX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
Consumer complaint received 2016-01-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MT)

My XXXX father took out a car loan with Chase Bank. He is nearly XXXX and can not hear. I am his child. I manage his financial affairs for him. When he set up the account and took out the loan, he expressed to Chase Bank that it was acceptable for me to contact them regarding the account and to make his payments for him. Despite this, when I went to make the initial payment, they would not allow me to make the payment for him. Thus, his initial payment will be late. When I called Chase to make the payment for him, they would not allow me to do so. When I asked for the telephone number of the automated payment, manager " XXXX '' in Texas gave me XXXX as the automated payment number. That number is disconnected. Chase XXXX beyond belief.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assured information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.and according to 15 USC 1681s-2 they are suppose to 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.are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the informational maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to 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. 
XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and onXX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Machol & Johannes, LLC (WA)

Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named XXXX XXXX had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who XXXX is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our XXXX XXXX, thirteen years later, I am now being harassed by Machol & Johannes, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, Machol & Johannes is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
Consumer complaint received 2017-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (NV)

XXXX reported that XXXX XXXX XXXX XXXX ran credit checks on the following dates : XXXX XXXX, 2017 XXXX XXXX, 2017 ( twice ) XXXX XXXX, 2017 XXXX XXXX, 2017 I emailed them to cancelled the refinancing mortgage loan o X/XX/17. These items are significantly have lowered my credit score.
Consumer complaint received 2017-07-30
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: I.C. System, Inc. (FL)

Ic systems inc is not licensed to collect a debt in the state of Florida as i checked and they do not exist. I tried to file a complaint through the Better Business Bureau again this company does not exist. You cant get in contact with them as no one answers the phone. I do not have a contract with them nor have i received any type of communication from them about alleged debt that appeared on my ctedit reports to all XXXX credit Bureaus.
They are reporting fraudulent information and accusations concerning a debt that i have no knowledge of. This is a violation of fcra rights and laws. This is an unacceptable practice that is hurting my credit.
Consumer complaint received 2017-07-30
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. (PA)

My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

We filed complaint XXXX with the CFPB regarding SPECIALIZED LOAN SERVICING LLC 's dishonest practices and onXX/XX/XXXX, SLS replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter SLS promised to correct the reporting to the credit agencies, but in fact SLS just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see SLS 's letter datedXX/XX/XXXX acknowledging this.
In the years we have dealt with SLS they have NEVER done what they said they would do and SLS would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is SLS 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. SLS should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (GA)

Nelnet increased my interest rate to 6 % ( from 3.25 % ) without my authorization because I am an XXXX who is on XXXX. I want my 3.25 % interest rate back!
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

Experian ask for {$1.00} to check your credit report, but they keep your credit card on file and bill you {$21.00} two weeks after. 
Spoke with their representative XXXX and supervisor XXXX in XXXX and they said that when you approved the conditions they charge you montly! 
Please help,