davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-06-10
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. (NC)

Equifax claim that they have completed my dispute : I disagree with the account listed below which still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. This inaccuracy are highly injurious to my credit score : Dept of Education XXXX. I have sent proof of this and it is still on my report.. 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-09-21
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: EQUIFAX, INC. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

Ive mailed two letters now via US mail and received no response. My credit report does not reflect correct information. Example, the information shown when utilizing XXXX XXXX or applying for financial products. The credit reporting system returns a different file than what I see when I log into your own website. Over the course of my life, your organization has always been light years behind the other two. Most recently my mortgage from XXXXXXXX XXXX  is listed that it is closed. It is not closed. It is still active, and it shows when I log into your website as well however, the report when someone looks at my file, when applying for things shows its closed. I want this fixed and if it is not fixed, I am going to pursue hiring an attorney at this point. I am tired of dealing with your negligent reporting behaviors.
Consumer complaint received 2023-09-21
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. (IL)

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 2023-11-04
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. (GA)

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 
I have not at any time GIVEN WRITTEN CONSENT to publish late payments, so therefore I can only assume that the credit reporting agency has allegedly stolen my identity. I have enclosed a filed affidavit with the FTC. I want these late payments removed, deleted, or changed to reflect paid as agreed on time, XXXX immediately or pay a {$1000.00} fine per violation. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-06-08
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. (WI)

CFPB Writeup : 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 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 has violated my rights.

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 2019-06-25
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. (TN)

I have reached out to XXXX XXXX XXXX multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.
Consumer complaint received 2019-06-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

On XX/XX/XXXX, Mr Cooper credited my account {$600.00} in what was later described as " mistransfered funds from another customer. '' I was late on a payment that month and assumed that the {$600.00} payment came from my escrow account because in the same month, my escrow was increased. I paid the rest of what was due and went on not thinking anything else about it because Mr Cooper failed to inform me of THEIR mistake. I'd also like to point out that it's hard to believe that another customer went almost 4 months without raising concerns to Mr Cooper about where their {$600.00} went. 

Fast forward to XX/XX/XXXX, I get a call from Mr Cooper asking why my payment is late. I thought this was odd  because I made a payment in full on the XXXX of this month. For whatever reason, the payment was reversed by Mr Cooper but never made it back into my bank account. My statement shows a payment was processed in full on XX/XX/XXXX. Going to back to my Mr Cooper account, it shows I OWE a balance of {$610.00} ; {$11.00} of which is a LATE FEE. 

Mr Cooper made a mistake, didn't catch it, and didn't inform me of their mistake when they caught it FOUR MONTHS LATER. They charged me for the {$600.00} that they mistakenly transferred to my account then proceeded to charge me a late fee and call me to ask why I haven't paid my mortgage on time.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XXXX, XXXX, I received a XXXX XXXX XXXX XXXX XXXX. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that XXXX did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a 60 and 90 day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get XXXX to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
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. (MO)

I sent the attached letter to equifax to dispute my bankruptcy. They have sent stall letters and a letter claiming my identification was not legible. I sent it back but still havent received a Responce. I demand immediate removal of my bankruptcy from my credit report.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

Edfinancial over charged my bank account and took XXXX more than what I was trying to put towards my student loans. I paid XXXX towards my student loans and they charged me XXXX. Now they are refunding me but its been 3 months and they dont know where my money is at or when its going to get back to me. 

I also have issues making payments. I make a payment. Get confirmation and then it disappears from my account history and it takes weeks to get edfinancial to put it on my account.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

On XX/XX/year> and on XX/XX/year> I have submitted and resubmitted letters requesting proof of verification of a bankruptcy listed on my XXXX credit report under my public records. As of today, it has been beyond 60 days and I have not received any verbal or physical notice of proof of verification of this bankruptcy. I have reached out to the XXXX Bankruptcy Courts to ask how verification of bankruptcy is verified by them. I received a response in regards to the courts providing that bankruptcy is not verified by them directly to any credit bureau. That information was passed along to XXXX, after their investigation with their source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX it was determined : data being reported as unverifiable. After XXXX investigation the information has been removed from their records. That information within a letter form has been passed along to XXXX for update on credit report, and no action has been taken place.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

My card was charged {$470.00} on XX/XX/2019 at a establishment ( XXXX XXXX XXXX XXXX  ) I havent ever been or ever brought from in witch i didnt authorize the transaction i called and had the charge disputed with the fraud department i told the gentleman that i didnt have the card when the transaction took place and he put on the report that i said i did have the card witch was wrong and now citibank is saying the charge was rejected and charging me for the {$470.00} i have sent information from the merchant saying it was a big charge at their store and they would refund me back i filed 3 letter of appeal with the bank but they keep closing the case and isnt trying to XXXX  me with the process
Consumer complaint received 2024-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

My personal data has been breached at least XXXX times in the past 4 years. I guess, because of these data breaches I have been receiving fraudulent claims from several scam companies that allegedly I have a debt of {$110.00} with XXXX XXXX formerly XXXX. I only kept XXXX copies of these fraudulent claims I received among others from XXXX  XXXX XXXX, XXXX. XXXX, XXXX XXXX. See attachments. I received the same claim from at least XXXX different companies in the past 3 years. 

I had a chat with XXXX XXXX XXXX ) about this fraud on XX/XX/XXXX. See attachment. XXXX confirmed that I had an old account with XXXX and XXXX stated that the account was closed and written off in XXXX and that I have no debt with XXXX whatsoever and I can get any and unrestricted services from XXXX if I want. 

XXXX XXXX was the first of these scam companies, which managed to convince XXXX and TransUnion to place this alleged debt as a collection on my credit report in XX/XX/XXXX. XXXX has not put this fraud on my credit report ever. I filed a dispute with both XXXX and TransUnion on XX/XX/XXXX. XXXX removed this fraudulent collection by XXXX XXXX XXXX hours after I filed the dispute. In contrast TransUnion replied on XX/XX/XXXX that it is keeping this fraudulent collection on my credit report. I had a long chat with TransUnion about this dispute on XX/XX/XXXX. My impression is that they never read the statement from XXXX I submitted to them via their online system. The TransUnion 's agent recommended to re-submit the dispute and to file a complaint with the CFPB and the state 's Attorney Generals office, which I have done.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

I have been unable to access my account online. XXXX XXXX " upgraded '' their website, so I have been unable to make payments during this time. Every time I log into my account, I get the message that there is no loan associated with my log in information. I try to chat, but it is a computer that tells me to log into my account or to call. When I call, the recording tells me that the wait time in anywhere from 400 - 800 minutes. If you choose the option to have someone call you back, they never do. I can't mail in a payment since all the account information is online and that can't be accessed. Now I am certain that they will charge late fees and penalties for non-payment, but something needs to be done about their poor customer service or lack of it. What can be done to help us? If you read reviews about them, there are many others who have the same problem that I have.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX These are the accounts in my name that stems from the identity theft : 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 A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I can not get a hold of XXXX. I have graduate student loans serviced by this company and called them since XXXX today. They had stated that the wait time would be about XXXX minutes. It is now currently XXXX and I am still listening to the elevator music. I have been dealing with this issue for almost a month now. Wait times are absurdly inaccurate and they hardly ever call back. 
I am attempting to consolidate my loans with my XXXX loans ( serviced by a company way better equipped than XXXX ) and need confirmation by XXXX before XX/XX/XXXX. I had been seeking advice and consulting with XXXX, XXXX, and my other XXXX loan servicer since mid XXXX. XXXX never notified me that they were unprepared for a consolidation of my loans. It appears to be a simple matter but I simply can not get in touch with XXXX.