davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (TN)

My Experian report came in the mail XXXX on XX/XX/year>. After review I realized there are many inaccuracies and false information being reported. I disputed these inaccurate and false information and told them to delete these items from my consumer report as it is my right and their grave responsibility to report accurate information on all consumers to ensure the banking system is ran smoothly. Further more the FCRA also states that whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum accuracy of the information concerning the consumer to whom the report relates. This is absolutely not the case with Experian as I have showed and told them of these inaccuracies and to delete these accounts pursuant to FCRA where it is stated that after reinvestigation disputed information found to be inaccurate ( it is inaccurate, this is why they wont follow up with a full description of their reinvestigation ) they SHALL PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE CONSUMERS FILE! Not only have they yet to delete these items from my consumer report they send me a notification and say its updated and has been verified ( which in any case the reinvestigation must be validated not verified and still neither action was met. Not one of these items were changed/updated as they claimed in the notifications of completion. These MUST be deleted immediately. All pictures of my report I received in the mail are attached where you can see the inaccuracies highlighted and how they are the exact same as before the investigation meaning no updated and said to be verified when it is clearly inaccurate.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

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 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 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Calling the number listed for customer service on the Nationstar Mortgage site resulted in automated advertisements for XXXX minutes, with a prompt required for each of about XXXX ads to decline more information, then I was told this was n't a working number and I should call another number. When I called the other number it had the same advertisement routine. Then I tried logging into the web site, but it would n't reset my password although it kept acting like it would -- i.e. sending me a reset link through email. It took a lot of digging to find the corporate headquarters phone number. I was forwarded through XXXX departments there and finally got customer service. But I was aware, and so was the agent I spoke with, that the company was deliberately keeping customers from speaking with a person directly.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 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 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
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (PA)

XXXX XXXX was unable to pull my credit report due to a glitch in my unlocked security freeze on my XXXX  account so they used LexisNexus/parent company. LexisNexus reported a XXXX XXXX XXXX. I have not had a XXXX XXXX XXXX in over 5 years. My XXXX score is over XXXX and my XXXX  score at the time was XXXX. I dont know what information LexisNexus is using, but clearly their information is inaccurate.
Consumer complaint received 2023-06-08
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. (NJ)

To whom it may concern XXXX XXXX has violated my rights : account number XXXX account number XXXX account number XXXX account number XXXX and account number XXXX I did not authorize anyone employed by this company to create a account in my name and or furnish any of my personal information this is a violation of Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/XXXX I received alert notification from XXXX that a new credit inquiry appeared on my credit report. XXXX had received an inquiry on XX/XX/XXXX from Bank of America for a credit card. I did not make any request for a credit card from BOA or any associates. 

I spoke with XXXX and they directed me to call BOA and report the issue. I reported this to BOA however was advised that because the application was not completed there wasn't anything they could do. After some discussion and my insistance they did take some information. 

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX stating to call them within 30 days to provide additional information so they can continue reviewing my application for a XXXX XXXX XXXX XXXX card. The reference number listed was XXXX and Bank of America was listed at the bottom of the page.
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (FL)

Per cfpb complaint XXXX The account that was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX was only temporarily updated as closed on XX/XX/year>2024 but was recently reopened on XX/XX/year>. I've filed XXXX disputes with Equifax, XXXX complaints with cfpb ; I've spoken to multiple XXXX  and XXXX XXXX employees, including XXXX in XXXX 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/year>2024 the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying XXXX  monthly payments of {$390.00} but they have allowed both the XXXX XXXX and XXXX accounts to both report high balances on my Equifax credit report. As a consumer who pays my bills on time, this is affecting my credit score.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BBVA FINANCIAL CORPORATION (CA)

Hello ... On XX/XX/2019, a {$140.00} credit posted to my account. I called on XX/XX/XXXX to see when I should expect the credit balance back to me as I had not used the card. They mentioned I would receive a credit within 60 days of when it posted. When I hadn't received a check, I called again on XX/XX/XXXX and was told it would be processed soon. My XXXX  statement showed no credit balance and so I called again on XX/XX/XXXX asking about the credit and that's when I was told it was sent to the bank on XX/XX/XXXX and that I should expect to see it any day. I called back on XX/XX/XXXX as I still hadn't seen the credit post to my account and the customer service rep contacted the back office as he agreed that by now I should have received the money. On XX/XX/XXXX, I receive an email from him, XXXX   XXXX, with an attachment showing that on XX/XX/XXXX a check was sent to XXXX  with my name on it. I sent him an email with my statement showing no credit had posted and where should I go from there. He said he contacted his back office and they said I should contact my bank. I responded by saying that the check they sent was 1. not addressed to my bank XXXX  2. doesn't have my bank account information so the funds are properly credited and 3. doesn't show that it was cashed by XXXX. At the point, I stopped receiving a response from the company and still don't have a check nor the credit posted.
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (SC)

I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

- XXXX : {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) - XXXX : {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) - XXXX : {$930.00} ( Fraudulent ) - XXXX  XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with an invoice from a customer in XXXX ma, filed dispute with capital one and they refused my claim
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AZ)

I mobile deposit a PNC check for {$700.00} the funds were placed on a hold. I called the hold department the check was verified and money released in the morning. In the afternoon I received a notice the check was being returned for it was fraud. I called the hold department at PNC was told its a bank error. My pay check on XXXX  now will be in the hole for {$700.00}. PNC did nothing to resolve this problem no credit to my account offered just they can refund my overdraft fees. I have bills that now will not be paid by a human error at PNC. Not happy
Consumer complaint received 2023-12-28
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-16
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. (LA)

After reviewing my Experian credit report, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information. Please see attachment below
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY CREDIT XXXX : # XXXX  # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXX & XXXXXXXX  XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Did the MOHELA companys response address all of my issues? 
No, the company 's response did not address all of my issues. Although they confirmed my qualifying employment with XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX, they stated that the time prior to XXXX does not count toward PSLF. However, this contradicts my employment history, as I started working for the former XXXX  employer in XXXX, well before XXXXand ended on XXXXfrom XX/XX/XXXX to XX/XX/XXXX. 
Do I understand the companys response to my complaint? 
No, I do not understand the company 's response to my complaint. Their explanation regarding the time prior to XXXX not counting toward PSLF contradicts my employment history, creating confusion and leaving me uncertain about how my payments are being calculated for the PSLF program. 
Did the company do what they said they would do with my complaint? 
No, the company did not do what they said they would do with my complaint. They did not adequately address my concerns or provide a satisfactory resolution regarding the calculation of my qualifying payments for the PSLF program.
Consumer complaint received 2024-05-12
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: EQUIFAX, INC. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name : XXXX XXXX. Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-28
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. (NC)

My information was compromised. The company is XXXX. I have tried for many years to get the wrong information removed but it was always denied by XXXX. My engagement number is XXXX This is to reference that my information has been compromised from XXXX.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Byrider Franchising, LLC (NC)

I was told during the process of getting a vehicle at this site that my credit score would have no impact on my purchase ; all I needed was proof of employment and proof of bank statements. I applied for a loan not knowing that my credit report was being accessed ; thus showing up as a " hard inquiry '' on my credit report. As this would have an impact on my current score, I would not have agreed to it if the company had disclosed this.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A. (PR)

Since the month of XXXX after the passage of XXXX XXXX, the economic situation changed as the hours of work reduced them, the costs of the products increased or decreased. I want to make the payments but the economic means do not give me. I want to restructure the payments.
Consumer complaint received 2023-06-08
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. (CT)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX