davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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 have tried over and over and over again to work with the credit bureaus and they keep giving me the run around. It has been months and I send them a new letter every month and the incorrect personal information and account inaccuracies is still there. I am done!!!!!! I have had enough. No more waiting no more stalling remove it now. Your bad reporting is preventing me from getting me a new house and loans for my business. I watched XXXX and learned that your inaccurate reporting is a violation and am seeking litigation. I have attached a notarized document proving I am who I say I am because yall keep acting like its not me!!! Who else would be trying to deal with yall other than the person yall wrongly reportin on.
Consumer complaint received 2019-10-15
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. (VI)

I moved the US Virgin Islands upon XXXX as a XXXX year XXXX XXXX XXXX. Hurricane Irma was supported by FEMA with much needed emergency GRANTS. 2 years after receiving my GRANT, my credit score dropped 80 points. This is when I discovered that the US Treasury considered me in default for a loan. I NEVER sighed loan papers! I was NEVER told that my emergency funding was other than a grant. Attached is a letter from FEMA stating that I do not owe them money. It appears to be a discharge/write off of a debt, not the fact that I am a victim and the debt was INCORRECT. My credit score reflects that I ran out on a loan, not that I NEVER HAD a loan from FEMA. Thank you for your assistance.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

My problem is with the credit bureau, Equifax and XXXX. I think they are messing with me for some reason. There is no reason for my credit score to jump anywhere from XXXX to XXXX points in one month. The reasons they give are ridiculous. I wish I could send copies of my reports. For instance in XXXX they lowered my score XXXX points because XXXX XXXX XXXX increased my credit limit from {$1800.00} to {$3000.00}. Yesterday XXXX lowered my score by XXXX points because I paid a credit card down from {$300.00} to {$0.00} then says " nice work your credit card usage is under 10 % ''. That don't make sense. In XXXX they lowered it XXXX points because I paid off a loan from {$820.00} to {$0.00}. 
Equifax lowered my score by XXXX points because an account I had with XXXX is being reported wrong. I closed that account over 7 years ago. As a matter of fact, I have not missed a payment or been late on any payment on any account in over 7 years. In XXXX Equifax lowered my score by XXXX points because XXXX increased my credit limit from {$1000.00} to {$1500.00} and my XXXX XXXX credit card I paid down from {$260.00} to {$0.00}. This has been going on for quite some time. It bounces back most of the time, but for XXXX  reasons. I would just like someone to check and see if they can't incorporate some kind of standard. I never know what my score is going to be.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (WA)

Around XX/XX/2023, Upgrade XXXX disabled the auto pay set up to fund my account. Which caused the account to become late by 67 days until I discovered and reported the issue. Realizing what this could potentially mean to my credit file, I immediately made a payment totaling {$190.00} the outstanding balance. 
A few days after making this payment, on the XXXX, and XXXX of XX/XX/2023, Upgrade reported the account to the credit bureaus as delinquent. Causing my credit score to tumble by as much as XXXX points and reducing my credit rating from good to fair. I contacted the Upgrade Team about the recent development, explaining in detail what caused the lateness. Upgrade declined to remove the information from my report. 
I filled a dispute with the credit bureaus. A few days later, Upgrade updated my account as current and up to date, immediately improving my credit score. But this action was short lived. Upgrade a few days afterwards reported my account again as delinquent. As of filing this complaint, I have initiated no less than 5 disputes with the credit bureau to get Upgrade to report the current status of my account with no success. 
As of today, Upgrade has neither removed the past delinquency nor reported the account as current with the credit bureaus. On another credit report company ( XXXX XXXX ), Upgrade in XX/XX/2023, reported my account as {$11000.00} due, {$10000.00} more than the actual balance I owe on the account. This despite me not entering into or receiving any new credit facilities from Upgrade. Causing further damage to my credit.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goldman Asset Services, INC (MS)

Caller claimed to be with XXXX XXXX and I had to call another number to find out that Im supposed to have defaulted on credit with XXXX XXXX  XXXX. Threatened me with court. 
I have never even purchased anything from XXXX XXXX  XXXX much less had credit with them. Call came from this number : XXXX which doesnt answer. 
I check my credit report and theres never been anything to show up to do with XXXX XXXX  XXXX.
Consumer complaint received 2024-05-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XXXX XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX, and here is my tracking number : XXXX from USPS On XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 ( i ) the information is, in fact, inaccurate.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

XXXX, XXXX and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Consumer complaint received 2019-10-15
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. (VI)

I moved the US Virgin Islands upon retirement as a 30 year XXXX XXXX XXXX. Hurricane Irma was supported by FEMA with much needed emergency GRANTS. 2 years after receiving  my GRANT, my credit score dropped 80 points. This is when I discovered that the US Treasury considered me in default for a loan. I NEVER sighed loan papers! I was NEVER told that my emergency funding was other than a grant. Attached is a letter from FEMA stating that I do not owe them money. It appears to be a discharge/write off of a debt, not the fact that I am a victim and the debt was INCORRECT. My credit score reflects that I ran out on a loan, not that I NEVER HAD a loan from FEMA. Thank you for your assistance.
Consumer complaint received 2023-08-26
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

I have been attempting to contact NelNet for several months now. Regardless of when I call during the day, the hold time is over an hour. Once, I waited on hold for two hours before finally being able to speak with a representative. I explained to the agent that I was unable to afford the payment, and I had been paying on this loan since 2003. I have reached out multiple times via phone, website forms, and email, but I haven't received any response on how I can make this more manageable for myself and my family. I'm unable to speak with a live agent due to the long wait times, and I don't have the time to wait on the phone for XXXX hours or more. It's important to note that I didn't originally obtain a loan with NelNet ; I was initially with Great Lakes Borrower Services. This situation is negatively affecting my credit, and I need help. 

Best regards, XXXX XXXX
Consumer complaint received 2023-12-19
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. (FL)

To whom it may concern. I am a consumer defined under 15 USC 1681a ( c ). I notice I have a charge off ( XXXX XXXX ) on my consumer credit report. According to IRS a charge off is defined as a certificate of indebtness which means it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it is illegal to report tranaction history. If not remove, I will filed legal actions. Thank you. 
In Good Faith With Prejudice By : XXXX : XXXX
Consumer complaint received 2023-08-26
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. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The account below is reporting incorrectly/inaccurately on my consumer credit reports, please DELETE PROMPTLY & IMMEDIATLEY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on XX/XX/2023 { Acct # : XXXX } - - - REASON FOR DELETION IS : Information reporting/reported is inaccurate - - - [ Account open date : XXXX = INCORRECT. ] - - - [ XXXX balance = INCORRECT. ] - - - [ Payment history = INCORRECT. ] - - - Furthermore, I have no knowledge or information about this account or company, they did not provide me with a copy of an original contract as requested. - - - As per the FCRA Section 611 ( 15 U.S.C. 1681I ) inaccurately & unverifiable reported information shall be promptly DELETED from my consumer credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

The following companies made unauthorized hard inquiries on my credit. 

Consumer Portfolio XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Portfolio XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX DT Credit XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX Global Lending Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX Comenity Capial/COSM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exclusive XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Prestige FIN XX/XX/XXXX Flagship CRE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Superior MIT XX/XX/XXXX Maryland Auto XX/XX/XXXX
Consumer complaint received 2024-05-16
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-30
Product: Credit reporting 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: EQUIFAX, INC. (NY)

Hello. Ive tried over the course of the last several months. To contact XXXX FICO SCORE XXXX XXXX, in regards to my Experian Score being significantly inaccurate and lower than my Equifax XXXX XXXX credit reports. 

I am a XXXX & XXXX respectively. 
However XXXX reports a staggering XXXX FICO SCORE XXXX Report within their agency. 

This is not a small difference, but an entire XXXX XXXX and XXXX points worth of inaccuracy. I need this urgently resolved please and thank you. 

I have no outstanding debts and owe at most. XXXX XXXX  & XXXX XXXX to collections and recently resolved and settled a claim for XXXX dollars. I have been rebuilding my credit. I work for the city of XXXX XXXX XXXXXXXX. & this report is affecting my life. & my ability to gain capital as well as interfering with my inquiries for a new car & future living spaces. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file.

FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I have attempted to contact Capital One at multiple telephone numbers to obtain debt settlement on multiple occasions both via telephone ( i.e., XXXX XX/XX/2023 and XXXX XX/XX/2023 ) and in writing ( i.e., XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/2023 ). At each contact, I informed Capital One that I am a senior citizen on a limited and fixed Social Security retirement income that is below the poverty level. I offered to pay various amounts ( i.e., {$500.00}, {$700.00}, {$1000.00} ) on my credit card debt but Capital One has refused my offers and has repeatedly stated I did not qualify for debt settlement. I last made a payment of {$100.00} on XXXX XX/XX/2023 when my balance was {$2300.00}. Since I stopped making payments, my credit card balance has increased to {$2500.00} due to interest fees and late charges. I have not used this credit card in years and have been making payment that barely cover interest fees that have probably covered the debt long ago. I can not crawl out from under this debt and do not have the financial resources to pay the debt due to increases in food costs, utilities, etc. I wanted to work with Capital One but they have not assisted me in any way and have suspended my credit card. I await it to go to collections but would like advice and assistance. Thank you.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I wrote this company stating my problems with the company multiple of times and they continue to not pay attention to my problems with the consumer report. They continue to report inquiries and transactions without my consent time and time again. Law 15 USC 1681b states the company have to have permissable purpose to report my information. I haven't given no written consent to report such information. Please remove such information off my report immediately.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account as late for any purpose.
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

I made an international transfer using moneygram company on XXXX of XXXX and expected date ( on their service websote ) was XXXX of XXXX and now its XXXX of XXXX and i didnt get my money ( i made transfer to myself using my creditcard ). 

everytine i call ( international call from XXXX to XXXX no. costs alot of euros ) and only hear : " sorry, we are investigating '' I need this money for apartment rent here in XXXX where i live and work and moneygram issues is not my issue and they dont even call, just sending mail saying sorry, still investigating. 


Details about moneygram transfer : - reference no. for tansaction tracking used by moneygram : XXXX - Sender and receiver fullname : XXXX XXXX XXXX XXXX- my bank account IBAN : XXXX - escalation/investigation case no. : Case # XXXX
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One account was closed in XX/XX/ and since then I have not received the money I had in the account. I have called Capital One many times and no one can help me. The call is always transferred to another person and the phone is disconnected without solving my problem. I don't speak XXXX very well and the company does not provide XXXX  speakers to help. This bank was not good to me from the beginning. I do not recommend the service and I feel harmed.