davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (UT)

In regards to the company response to my complaint. The only discharged bankruptcy I have done was in XXXX which my loan with XXXX XXXX was not included in. The bankruptcy in XXXX is over the 10 year limitation and should not be appearing on or affecting my credit score. The other bankruptcies appearing on the report were DISMISSED and since XXXX XXXX disregarded the one and only Bankruptcy i filed on XX/XX/XXXX and took possession of my home when it didn't sell at auction and the bankruptcy was immediately dismissed. I dont think that should be appearing on my credit report. The loan with XXXX XXXX was not discharged in any bankruptcy proceeding nor did I attend any of the other fraudulently filed bankruptcies that were also DISMISSED.. This is a credit reporting error by the CREDIT BUREAUS so I'm concerned about what is actually being investigated here.
Consumer complaint received 2023-05-19
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)

Upon reviewing my credit report obtained from your agency, I noticed multiple late payment notations on my credit file. The reported late payments are incorrectly reflecting on my credit history and are adversely affecting my creditworthiness and financial opportunities. In accordance with the Fair Credit Reporting Act : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

15 U.S.C 1681b ( 1 ) the credit bureaus dont have no written permission. 
15 U.S.C 1681 section 2 states 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 the information is inaccurate.
Consumer complaint received 2023-05-20
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)

I have made multiple futile attempts to dispute the fraudulent items with you. Your correspondence stated that the account in question " WAS PREVIOUSLY INVESTIGATED. '' I diligently accessed my Credit report through your respective websites and obtained copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$240.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy Reference # : XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), it is mandated that upon receiving a dispute, each consumer reporting agency must conduct a free reinvestigation, accurately record the current status of the disputed information, or remove the item from the file within 30 days. This timeframe commenced on the date the dispute was received, and unless the account is deemed frivolous or irrelevant, there has been no indication that my dispute falls under these categories. Yet, the item continues to persist on my file with a mere last investigation. Given this information, I demand the immediate deletion of the disputed accounts from my Credit file in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT entertain another reinvestigation of the account ; ONLY deletion will be acceptable.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

Conn 's Home Plus ( Conn Appliance , Inc, Conn Credit Corp ) has failed to properly validate this alleged debt that I do not own. This alleged debt is the result of identity theft. I have contacted their fraud department and without proper investigation and validation they immediately denied my request to have these fraudulent accounts removed from my consumer report. XXXX XXXX and XXXX XXXX refuse to show me evidence that I personally opened these accounts. They have no agreement or contract bearing my signature. In XXXX, an ex-boyfriend opened up these accounts in my name without my permission. My personal information has been compromised. Therefore, these 2 accounts are being reported inaccurately.

2 accounts were opened without my knowledge : XXXX XXXX {$3100.00} ( XXXX ) XXXX XXXX {$2100.00} ( XXXX ) I have sent Conn 's Fraud Department a police report, and FTC affidavit, 2 proofs of residency ( rental lease and rental insurance ) of where I lived during these years when these accounts were opened. 

Conn 's claims that " payments '' were made on these accounts, but they can not validate that I actually made those payments. I have reason to believe that the ex-boyfriend attempted to make payments in good faith but fell into financial hardship and stopped making payments. There is no correlation between " making payments '' on an alleged account and properly VALIDATING that this account was OPENED by me. I did not give anyone permission to open these account using my social security number and sensitive personal information. I was living in XXXX and these accounts were opened, used, and maintained for a limited time in XXXX. 

No signature, no proof, and no validation means NO CONTRACT. 

I am a victim of identity theft and I demand these two accounts be removed immediately.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX, an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, Transunion completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to Transunion and XXXX. XXXX stubbornly refuses to list the account at all.
Consumer complaint received 2023-05-29
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. (FL)

on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus XXXX, TRANSUNION, AND XXXX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.
Consumer complaint received 2023-05-29
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. (MD)

There is an account on my credit report from XXXX XXXX XXXX that I closed out in XXXX and paid the account in full. For the last 8 years this account has been showing an Open status with negative reporting. I have disputed this account multiple times through Experian with the latest dispute being in XXXX and another time in XXXX to correct the account information. Experian refuses to correct the information even after Ive provided documentation to show this account as closed and paid in full. Experian is purposely showing this account as Open with negative marks to continue to provide a low credit score. This is a closed account and I want my credit report to reflect the accurate information.
Consumer complaint received 2023-05-20
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. (WI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Disputed the balance through Experian, XXXX, and XXXX XXXX credit reporting companies. XXXX XXXX refuses to update the balance on the loan. Balance on credit report shows {$2400.00} as of XX/XX/year> but the balance is actually {$1900.00} as of XX/XX/year> based on payments made. XXXX XXXX did the same thing on my last loan account.
Consumer complaint received 2023-05-20
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. (MS)

1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate I ask that the accounts listed below are fairly removed from my credit report since the information is incorrectly reported. 

Before doing so i would like to state that the XXXX XXXX XXXX XXXX Is not my name! 
My name is XXXX XXXX and only XXXX XXXX The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the fact that this information is Incorrectly reported on my credit report I ask that it is removed. 
Thank you
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is XXXX 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 3 Credit bureau the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED  XXXX* DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-03
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. (SC)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were inaccurately reporting on my credit. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I reported a number of fraudulent withdrawals from my Citizens Bank accounts ( checking and savings ). When I received confirmation letters from the fraud division, three claims were missing. I called and re-reported these claims in XX/XX/XXXX. Most of the claims, all of which were ACH, were repaid, but the bank denied two claims ( a check on XX/XX/XXXX in the amount of {$1000.00} and on XX/XX/XXXX in the amount of {$300.00}, both of which were clearly fraudulent ). They claimed that the denials were because my reported claims were untimely, but they repaid some older claims. And the first time I reported the claims on XX/XX/XXXX, the XXXX was was within 60 days and the XXXX was just outside of it. If you looked at the checked ( one written by and to XXXX XXXX and one by and to XXXX XXXX with my name nowhere on them ), they are clearly fraudulent. The bank failed to use even a modicum of proper care, good faith, and due diligence in care of my accounts. 

Even more, I have spent many hours on the phone with representatives of the bank and the fraud division and have been given conflicting and false information. One person at the fraud division on or about XX/XX/XXXX told me that I had to call the branch for the denied claim. I called the branch and the person I talked to told me they have nothing to do with fraud claims, and he believed the person just wanted to get me off the line. 

I have been a customer for decades. Even with low expectations for a commercial bank, I'm disappointed.
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

This account was reported back in XXXX and XXXX as a Fraud account and removed from my credit reports. AFFIRM placed a collection on my reports which lowered my score -49 points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in XXXX. You have 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. My personal information has been involved in a large amount of data breaches. 

You are in violation of the Fair Debt collections act for reporting an account that has already been reported as fraudulent.
Consumer complaint received 2023-11-02
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. (TX)

I disputed an item on the report that has been removed from other reports as it is not legal to be on there because I don't know who that is. They are still on there. Experian also mis represents my score as other scores are significantly higher XXXX point difference. They are misrepresenting me and ruining my score which is going to be disputed constantly until my problem is fixed
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IN)

My student loans were sold by Great Lakes to NelNet. Great Lakes held my student loans since XX/XX/XXXX. When they were sold to NelNet ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, NelNet opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. NelNet listed my oldest account at 7 years old although Great Lakes reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years NelNet is reporting ). The numerous, newly created accounts by NelNet along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that Great Lakes was likely reporting it incorrectly previously. Great Lakes held my student loans for over a decade. I have no control or say in my student loans being sold. Whether Great Lakes was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way NelNet is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. NelNet will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..
Consumer complaint received 2023-05-20
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}