davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-14
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. (IL)

I submitted a complaint to the CFPB about Experian and the way they are reporting several accounts. XXXX XXXX opened XX/XX/2018 Account XXXX is not being reported properly but they verified the account instead of removing it. It has a status of Petition for Chapter XXXX Bankruptcy/Never late. There is no bankruptcy that was petition for Chapter XXXX and this status need to be removed and changed to Never late or removed for reporting incorrect information.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

1st Disbursement XX/XX/XXXX XXXX XXXX parent plus loan variable rate XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. 4.61 % XXXX XX/XX/XXXX XXXX XXXX XXXX. 4.86 % XXXX XXXX. 4.61 % XXXX. XX/XX/XXXX XXXX XXXX XXXX. 8 % XXXX. XX/XX/XXXX XXXX consolidation loan XXXX balance XXXX XXXX original principal XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX all payments were made on time Navient has repeatedly ignored the moratorium and hurt my credit... further they phone me 2 times per day to demand paymen
Consumer complaint received 2022-06-14
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. (AL)

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX  Account # : XXXX XXXX High Balance : {$720.00} XXXX Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Account without my written instructions.
Consumer complaint received 2022-06-14
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. (FL)

The credit bureaus have not been doing their part of the job, I have been waiting for a response from them for months for some letters that I have sent and they do not respond to me
Consumer complaint received 2022-06-14
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. (KY)

in accordance with the Fair Credit Reporting act 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 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Equifax Information Services has been reporting negative inaccurate information in my credit file. I 've been disputing with this company for over 2 years to get this information removed and they refuse. 
The XXXX accounts have me listed as an authorized user which I never authorized anyone to add me to their account. I have been a victim of identity theft which I have sent them copies of XXXX police reports and nothing has been done. They stated that the company ( XXXX XXXX XXXX XXXX ) verified that it belongs to me which in the report clearly states AUTHORIZED USER so how am I being held responsible/liable for someone else 's debt. Under the Fair Credit Reporting Act, if the debt ca n't be verified within 30 days, then it must be removed. The letters they have sent to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. Now I will be suing Equifax as well as XXXX XXXX XXXX XXXX for causing me damages such as denial of credit and increased insurance premiums. I have provided more than sufficient evidence to get these false accounts removed. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and XXXX XXXX XXXX XXXX for violation of the Fair Credit Reporting Act and Defamation. 
This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX CU Account # XXXX
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-09-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

I have had on my credit for 2+ years a charge of XXXX. I have questioned this balance numerous times and my response from XXXX hospital is ; payment in full is required. XXXX hospital accepted a negotiated balance from the XXXX XXXX via XXXX. Original bill was XXXX, XXXX insurance pd XXXX hospital XXXX. XXXX hospital then turned the diffency balance over to a collection agency, named Healthcare collections loc. Per XXXX insurance, when a claim is negotiated the balance is a write off. I have called XXXX hospital, they have since removed the charge from my credit, but they have caused me great financial distress to obtain any type of credit for 2+ years. 
XXXX HOSPITAL # XXXX Healthcare collections LLC XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

For a while now, I have file several disputes with Equifax about XXXX XXXX inaccurate account balance and still no change. The results were, the account belong to me, when I 've never said it did n't, and/or the balance of this item has been updated but the balance amount was never changed, it reflects was the same amount, which makes me believe that there was never an investigation completed. 

I 've even sent a copy of my dispute filed with CFPB to Equifax, along with XXXX XXXX response to suspend collections and the account still have not been removed fro my credit report.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (PA)

I checked my credit report and found a Southwest Recovery Service collection account with a balance of {$330.00} dollars, which does not belong to me. The original creditor is XXXX XXXX XXXX XXXX XXXX in the state of Texas. I contacted the XXXX company directly and explain this problem, the representative told me to send a police report to them and a description of the problem. I have never lived or visited the state of Texas. I want to report this as fraud and I want a solution to this problem. Thank you. 

XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX ( XXXX ) XXXX Customer care : XXXX
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I transferred XXXX from my checking account which holds by XXXX XXXX to my debit card which holds by Capital one.I called the customer service multiple times but they could not see any payment what XXXX XXXX sent to them.I saw a pending payment on my account briefly but the next day it was removed by The Capital one.After that I went to the local branch and showed them the proof of payment /a check /what was sent by the XXXX XXXX but they could not help me.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (TX)

On XX/XX/22 at XXXX pm, someone made a fraudulent charge on my credit card and charged {$110.00} worth of gas ( XXXX XXXX ) then tried to charge {$170.00} ( XXXX pm ) worth of stuff at XXXX but I had the card shut off. I filed a police report online the next day. 

Then two weeks later, the detective contacted me for the first time and asked if I got my $ back and I told her no. She said there was nothing she can do. I asked if she was going to " pull the tapes '' ( surveillance videos ) and go after the thief. That was a week ago and no response. 

I understand this financial crime is probably a low-tier infraction but still. No attempt to further follow-through thus far. I am including screenshots of the fraudulent charges, a police report, and the correspondence with Chime and with the detective. 

The following is my detective 's name : XXXX XXXX XXXX # XXXX Police Officer XXXX XXXX  XXXX XXXX XXXX  XXXX Police Department Financial Crimes XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  : XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (MS)

I am selling my home to a veteran that has rented to me for a very long time. He is an excellent renter. Recently, Veterans United sent him an email saying that his mortgage was approved and then now says that was a " glitch ''. This has caused my tenant to deal falsely with me ( and I'm not going to kick him out over this but still... ) as well as deal falsely with my bank in making arrangements for financing on another property. This is textbook lender liability. Their XXXX  is XXXX
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NM)

I completed annual credit report request form for all XXXX reporting agencies and mailed the form to : XXXX, GA XXXX. I immediately received in the mail my annual reports from XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ). Experian sent a letter on XXXX XXXX, 2016 stating they needed more information and provided an entire list of verification items required. The letter stated that I could also get a copy of the credit report online. I tried accessing the credit report online from XXXX as instructed but could not obtain the credit report using that method. I then made a copy of my drivers license, provided a copy of a utility bill along with the original form that contained all the info such as name, social security number and other requested info and mailed back all the documentation. I received another letter dated XXXX XXXX, 2016 stating my info was either insufficient or illegible. Neither situation applied. I provided all requested info with clear legible copies Once again, the letter stated I could go online to obtain a copy of my credit report. I then attempted to go back online and was still unable to get the report online. There is no telephone number for Experian or XXXX that allows me to speak with a real person! Experian has made it impossible to receive a free copy of my credit report while XXXX and XXXX simply provided the report based on completion of their form.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KS)

An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.
Consumer complaint received 2022-06-14
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2022-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX TransUnion XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact AnnualCreditReport.com by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THIS COMPANY WAS PRETENDING THAT THEY ARE ONE OF THE XXXX CREDIT BUREAU IF IM NOT MISTAKEN, THIS WAS HAPPEND TODAY XX/XX/2016 AT AROUND XXXX, THEIR WED SITE IS ; XXXX IT TAKES TOO LONG TO LOGIN, THEY ALWAYS ASKED ME A LOT OF PERSONAL QUESTION, REPEATEDLY, THEY OFFER ME TO FEE {$1.00} TO INCRESED MY CREDIT SCORE, AFTER I PAY THE {$1.00} USING MY DEBIT CARD, MY PHONE RECIEVED A MSG REPORT FROM THE BANK COMPANY THAT " TU*transunion Plus 8 " CHARGE $ XXXX..AFTER A FEW MINUTE, I CHECKED AND REVIEWED THEIR WEBSITE POLICY, TERM & CONDITION & THE PRIVACY ITS LIKE ILLEGAL XXXX SO I CALL MY BANK TO DISPUTE THE TRANSACTION, AND I CALL THE TRANSUNION PLUS, BEFORE XXXX WITH THIS # XXXX BUT IT WAS THE ANSWERING. AND I CALL AGAIN AT XXXX, AND A LADY ANSWER ME, TELLING SHE IS A SUPERVISOR ( IN A NICE VOICE ) FROM TRANSUNION CREDIT BUREAU, I TOLD HER I NEED TO DISPUTE THE TRANSACTION THAT U CHARGE ME {$29.00} INSTEAD {$1.00}. AND SHE SAY WHY, THIS IS IMPT, WHATS THE REASON? AND SHE SAY MAYBE YOU NEED THE {$9.00} PLAN/MONTH. I SAID I DONT NEED IT, I WANT MY {$29.00}, AND HER VOICE STARTED TO WAVED. I TOLD HER THAT I REVIEWED YOUR PRIVACY POLICY IN YOUR WEDSITE AND YOU ARE NOT AFFLIATE IN THE XXXX CREDIT BUREAU. AND THE LADY SAYS AH OK BYE.. AND WHEN I TRIED TO OPEN OR LOGIN TO THEIR WEBSITE BECAUSE I WANT TO DELETE MY INFORMATION BUT MY ACCOUNT WAS SUSPENEDED ALREADY.. I NEED SOME HELP TO REMOVE MY PERSONAL INFO IN THEIR WEBSITE.. 
THANK YOU..I HAVE A PRINT IN MY CREDIT REPORT FROM THEIR WEBSITE I PRIENT IT..I CAN NOT DOWNLOAD THE FILES, I TRY LATER TO DOWNLOAD
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, 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. (GA)

I am writing to dispute the following information that appears on my credit report from XX/XX/2022 : INQUIRY : XXXX XXXX BANK XXXX XXXX XX/XX/2022 INQUIRY : XXXX CARD DATE : XX/XX/2022 According to the Fair Credit Reporting Act, ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please reinvestigate these matters and delete or correct the disputed information within 30 days from today, XX/XX/2022. Thank you for your assistance.
Consumer complaint received 2024-11-18
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. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$920.00} All of the above accounts have violated my rights 15 U.S.C 1681 section 602 A. It states I have the right to privacy. 15 U.S.C 604 section A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, which antedates the report by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall now 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. They have violated my right and these items need to be removed from my credit file ASAP.