davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did not authorize these five companies to pull inquiries on my credit history. 

I dont even use these companies. 

XXXXXXXX XXXX  XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The only banks I bank with are XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have tried XXXX times with Equifax to get a reporting error fixed. I have submitted documentation to them with a letter from the bank as well as a payment history from the bank. 

Equifax credit report is showing XXXX plus days past due. XXXX XXXXXXXX does not show any payments XXXX days or more past due. 

Equifax says what is being uploaded to them is showing XXXX days plus past due. XXXX  XXXX says there system doesn't show anything like that and doesn't understand why Equifax keeps showing this as being XXXX plus days. 

Neither of the other XXXX credit bureaus show me being XXXX plus days past due and they receive the same information from XXXX XXXXXXXX XXXX Equifax. 

I have attached XXXX of the disputes sent to Equifax. Clearly looking at the documentation, Equifax is incorrect. Neither will call the other party to confirm and instead they are relying on computers updating which is incorrect. 

I am in a circle and keep getting the run around. I am being penalized for something that is not related to me at all.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX XXXX-XXXXXXXX XXXX. XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a credit alert that a company called " XXXX XXXX '' checked my Transunion credit report on XX/XX/2022. I did not apply for credit anywhere in the month of XXXX and I have never heard of or done business with XXXX XXXX. My credit file has been mixed up with others because of the complication in the spelling of my name and this may have been the case in this situation. I did not authorize this inquiry.
Consumer complaint received 2022-01-31
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. (MI)

Hi I am submitting this XXXX XXXX without 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 n 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 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (IL)

This is XXXX XXXX XXXX and send XXXX records to XXXX XXXX XXXX XXXX, XXXX, IL XXXX for bills from XX/XX/XXXX So that my XXXX account can back to XXXX score. XXXX sent the bill to you XXXX in XXXX. That is when I started a second account and XXXX did not tell me what they were doing. 
In spite of this XXXX XXXX will contact you about this matter if it is not resolved within 10 days of this email. XXXX has relinquished my information with out my knowledge and if not done in written form, I will forward this matter to my legal advisor in Kentucky Please be advised to contact me about this concern A $ AP. My phone number is XXXX XXXX provider from financial care department XXXX in order to clear up this matter. 

Thank you Very much, XXXX XXXX XXXX, XXXX XXXX XXXX mobile ph
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTSCOMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2023-06-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

Over a decade ago through divorce, I was left out of the loop about financial obligations to my alarm monitoring service, and as such found out many months later by way of credit reports. Having no money to pay, I knew it would affect my credit for years and that was my only option. Ive since then had this debt removed from my credit years ago. However just recently I noticed a huge drop in my points ( 80 or so ) because of a new 30-day late notice and the reemergence of long-forgotten ( and fallen-off, due to age ) collections. I responded directly within XXXX app to file a dispute sighting such ( twice now ), but was quickly denied, and the claim remained. Not only was I not notified, and dinged on points, but this is, and was, dead on arrival based on time that has passed. It seems as though, even after seven years.. someone could buy your debt claim it as new, and harass you for it, all while taking down your credit score.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase with the " XXXX XXXX XXXX '' with a Synchrony Bank private label credit card AKA as " SYNCB '' in XXXX of XXXX with a promotional offer to pay the {$3900.00} purchase in 18 months. This was initially due in XXXX of XXXX. 

Sometime in XXXX of XXXX, an extension was requested and granted to defer the promotional date until XXXX to pay this amount off via a refinance that I was working on at the time. In XXXX the mortgage company sent a check to SYNCB for the total payoff amount of {$2200.00}, which was the balance quoted by SYNCB at the time. 

In XXXX of XXXX, since the check had not been cashed, I kept calling to determine why. Since the check was not cashed and several weeks had elapsed, the mortgage company reissued the check with the same amount and put a stop payment on the original check. 

It turns out that SYNCB had the original check initially submitted all this time. This was returned by the bank due to the stop payment but, finally, sometime in XXXX of XXXX, the replacement check was cashed and the amount posted to the account. 

The {$2200.00} should have paid off the account but, SYNCB claims that, because it was not paid by the expiration of the " promotional period '', a very steep penalty is assessed : the balance of the account went from {$2200.00} to over {$4000.00} as a {$1800.00} interest was added to the balance due to the expiration of the promotion. The rate, according to SYNCB, is 29.95 % APR. 

However, that is not all. Much to my surprise, interest is applied every month, I suspect at the same rate, to the balance. I have made XXXX payments of {$99.00} each against the {$1800.00} interest and I still owe {$1200.00} from the initial {$1800.00} in interest. In other words, from each {$99.00} payment close to {$40.00} go to interest on the interest. 

In other words, SYNCB is charging, not only an outrageous interest rate on these " promotions '' but they also charge interest on that interest. If this practice is not illegal, it certainly should be. Consumers are in essence being ripped off with a practice that allows banks to charge outrageous interest rates in a way that is compounded. This is most likely under the radar as I just learned of this today and confirmed by agent " XXXX, agent XXXX '' at SYNCB.
Consumer complaint received 2024-08-27
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without 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 n 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 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 n 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 n 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 n now XXXXm XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-27
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. (MI)

My request for verification ( in the form of the original contract ) with the bureau remains unanswered. I sent in a letter and FTC report similar to the bureau request, but I still haven't received any original contracts, and the information remains on my report. 

Despite the fact that the information was accurate, they completely ignored my request for the contract between me and this company that they have on file.
Consumer complaint received 2022-01-31
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)

XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX and was forced to skip my mortgage payments during the pandemic. I have been XXXX and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I borrowed {$4800.00} in 2019 and to date have paid back {$6800.00} and the company still has me owing {$5500.00} and refuse to work with me to settle the debt. This is predatory lending. 200 % interest must be illegal. However, the loan is paid off. Under their terms I will never pay it off. Please help me!