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

I sent several letters disputing a couple of accounts that I have one was with XXXX XXXX in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the other with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
With XXXX XXXX I called them and due to me losing my job I was not able to make the payment on time and asked for a deferment which they agreed to and said they would not report me late. The other was with XXXX XXXX and due to covid was also not able to make the payment and I called them and requested a deferment and they also had agreed and they have both reported me late. 
I know about the CARES Act and want to see if you can help me with getting this resolved. 


Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We have been in touch with our mortgage provider on several occasions. Stressed that we have been struggling making payments. THEY CLAIM THEY CAN HELP! But have been told that they can't. ADVISED BY OUR LAWYER we can apply for a forbearance!! NEEDING HELP WITH DOING THIS.
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. (TX)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp (MN)

I had an investment account with Lending Club which was closed at some point. I am now unable to withdraw settled funds in my account. There are no valid contact methods to discuss this problem with the company as the indicated help email is inactive and in " sending-only '' mode per a response I received. I want to withdraw my money.
Consumer complaint received 2023-06-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.
Consumer complaint received 2022-02-01
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. (NJ)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the XXXX credit bureaus since I first did a report. It has been over XXXX days and I would like these items removed.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed the below referenced accounts on XX/XX/2022. The credit report of XX/XX/2022 and your report shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

XXXX XXXX XXXX In accordance with the requirements of the Fair Credit Reporting Act, FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a business reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( 1 ) A statement that the disputed information has been reinserted ; ( 2 ) The business name and address of any furnished of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( 3 ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Please be advised that this is my LAST and FINAL WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under FCRA Section 616 and FCRA Section 617 regarding your continued willful and negligent noncompliance.
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)

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 USC 1681. 

The letters are stated with items and issues. 

XXXX5 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 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, back on XX/XX/2021, I submitted all proper documentation to all 3 credit bureaus that I had been a victim of identity theft and including my reports, my dispute documents and a police report and Identity Theft affidavit. The bureaus have done nothing to help me remedy this situation, they didn't send me any correspondence, and therefore have violated the FCRA, that protects us. Should I remind you that even you all have conducted the study and stated that the bureaus have failed on so many levels to protect the consumer.
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. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and I am submitting this request to dispute the inaccuracies on my Credit Reports. They failed to properly investigate the inaccuracies and unverifiable accounts on my report, and they never sent proper validation of the accounts. They assured me that it had been confirmed, but they never sent me any form of verification or an original contract bearing my signature. They have demonstrated a disregard for my request and a refusal to oblige. I am certain that they are required to comply with the Fair Credit Reporting Act by providing proof, documents, and definitive and accurate responses within the statutory time frame. However, if they fail to do so, they must remove any incorrect or unverified content. Their adverse and unacceptable actions have severely harmed my credit scores. Please refer to the points listed below : XXXX XXXX
Consumer complaint received 2022-02-01
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. (WV)

After receiving my credit report, there are multiple US Code has been violated by this reporting, XXXX. 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to privacy XXXX. 15 USC 1681b ( a ) ( XXXX ) No Permissible purpose/ No written instruction 15 USC 1681a- ( XXXX ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

In XXXX of XXXX I received a collections letter from XXXX XXXX regarding a bill of {$840.00}. The collection was sent by PayPal, with charges from XX/XX/XXXX and XXXX XXXX. There were XXXX different charges amounting to the {$840.00}. I've only used paypal for small charges and money transfer between friends. I am able to provide a copy of all paypal charges under my account. When I called the collection company they provided an email of XXXX used for the transactions and I have no idea who that is or how they got ahold of my account info. I've reported this to PayPal and they sent me forms to complete to identify the fraud However they responded that the charges were valid. I also reported this to the debt collectors and they are requiring I fill out paperwork as well as file a police report to send in. I am currently doing this process. I have also completed a submission with XXXX  The transactions are as follows - XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00}
Consumer complaint received 2022-02-01
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. (WA)

To whom it may concern, I am disputing the account XXXX XXXX XXXX XXXX  XXXX. I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

Registered for an account with Experian ( https : //www.usa.experian.com ) on XX/XX/2022. Had loads of trouble signing into the account, it claimed my freshly created username/ password was invalid. ( I'm a lifelong IT nerd, I know how to create accounts & record credentials accurately ). Had to reset password multiple times until site let me login finally, upon which I was met with an error claiming more information was needed to verify my identity & I needed to call XXXX -- XXXX. Calling that number leads to a recording for which there are no options to reach a human ( I tried in excess of 15 calls, went through every option available, including unlisted options like 0 ). Every option sends users into a repeating loop, with recordings directing users right back to the login page where there is no option to fix this issue. 
This is a well known tactic used by these crooks, often called " dark patterns '', where they make real help impossible to obtain & attempt to trap users in closed circles as described above, hoping to frustrate them into not complaining or pursuing the issue they're attempting to. 

I can not login to Experian, have no options to reach anyone on the phone, and therefore are unable to dispute fraudulent information they have on my report.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (NJ)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer, I am demanding a deletion of these accounts listed below : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

UNKNOWN HARD CREDIT INQUIRIES I DID NOT APPLY FOR? 

XXXX. XXXX XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXXXXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 XXXX. XXXX on XX/XX/2021 XXXX. XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called five times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXXXXXX  monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. I was informed that my account could not be reopened, with no other explanation or options. Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been $ 58 monthly. I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. That is why I filed this complaint. 


US Bank responded to this original compaint XXXX with no explanation. They only sent me two attachments of all my monthly credit card statement. They did not address any of my issues.
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. (MO)

XXXX continues to inaccurately report XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX, XXXX reports it was open XX/XX/XXXX and Equifax reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also XXXX reports the last date of activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. How could this be possible? This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WV)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.