davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
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 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 2023-11-02
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed inquiries that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any inquiries that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second notice of fraudulent accounts on my credit report. I never benefited from any of these accounts or any transaction from these accounts. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I am very concerned because Amex notified me that they are reporting this account with an incorrect account number in violation of the FCRA. They are knowingly continuing to report this account. Please see correspondence they sent me. They are taking advantage of me as a consumer by violating federal law and want to hold them accountable.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am very concerned because USAA notified me that they have no statements available to be able to verify the account history for these accounts. However, they are reporting these accounts as accurate on my credit report given that they are not able to verify the account history. They are taking advantage of me as a consumer by violating federal law and want to hold them accountable.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. XXXX is reporting these records in violation of the FCRA. Each of these accounts is in violation of the FCRA per reason stated.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. XXXX is reporting these records in violation of the FCRA. Each of these accounts is in violation of the FCRA per reason stated.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am being taken advantage of as a consumer by Equifax. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am being taken advantage of as a consumer by Transunion. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/year>. I sent a letter to Equifax, XXXX and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Consumer complaint received 2023-02-25
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$17000.00} and update this on my credit file.
Consumer complaint received 2024-05-09
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. (TX)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Technology Federal Credit Union (OH)

Somebody applied for a card in my name at First tech credit union. I am asking the application be closed and the inquiry placed on my credit report be removed. I called FTCU and asked information be removed but representatives said Sorry we can do nothing and hung up.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

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 2023-06-15
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. (NY)

On XX/XX/XXXX I submitted complaint # XXXX. Equifax has began an reinvestigation but has ignored one of the incorrect accounts. They have ignored XXXX account # XXXX. Please see original letter below from complaint # XXXX XXXX. 


I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. 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.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (SD)

As student loan payments and interest were set to resume on XX/XX/XXXX, I applied for the new SAVE Plan in XXXX which ensures any unpaid interest does NOT capitalize onto the principal balance. NELNET has still not processed my application, although it reported to the government that it did, and in the meantime has continued to charge interest and capitalize it onto my principal balance, growing my loan by about {$1000.00} per month! I specifically requested an extension of the Administrative Forbearance during the application processing period, which was granted by NELNET, and then removed without my authorization, without cause, and without explanation two days later.

The government 's guidance has been clear : administrative forbearance is extended for at least 6 months from XX/XX/XXXX to allow servicers to process applications and no interest should accrue during that time so long as a loan holder applied for the SAVE Plan. From the studentaid.gov website : " However, no interest will capitalize until at least 6 months after the payment pause. '' " As of XX/XX/XXXX, unpaid interest on your loans wont be added to your principal when you leave any IDR plan, except the Income-Based Repayment ( IBR ) Plan ( where capitalization is required by statute ). '' " If you applied for the SAVE Plan close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' I have spent countless hours on hold with NELNET only to be told there is nothing they will do to fix the problem and I will accrue interest until they are done processing my application, which could take months.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bell Global Solutions LLC (GA)

Bell Global Solutions Company called to collect an old debt, I signed up to clear this debt because I did not want to be sued. After collecting bank information they were supposed to send paperwork which I never received. They have been taking XXXX a week from my checking account since XXXX up until today XX/XX/2023, the bank put a stop payment on this account. 
Been calling the following numbers to resolve this matter no response : XXXX XXXX
Consumer complaint received 2024-04-15
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. (NY)

I have disputed this information and accounts reporting inaccurately, and sent them several letters, unfortunately the incorrect information and account is still showing. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX Paragraph ( XXXX ) 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 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. XXXX XXXXUnder 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (OR)

Deposited a check for {$500.00} to my SoFi checking account. SoFi cashed the check, took my funds, and then closed my account. Then they logged me out and changed my password.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (NY)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


1. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report
Consumer complaint received 2024-03-19
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. (NY)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Please remove it from my credit report. 
XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX RV Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-18
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. (NY)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and UNAUTHORIZED INQUIRIES REPORTING IN EXPERIAN : Experian : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Please remove it from my credit report. 
XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-03
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. (NY)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


Equifax : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

XXXX 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Please remove it from my credit report.

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. The inquiry was not authorized XXXX XXXX - Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


XXXX : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-31
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. (NY)

I was surprised to see late marks on my credit report in XX/XX/XXXX. I believe that I had made my payments on time and the statement may have not gotten to me or the payment was not applied as fast as expected. I already communicate to Experian requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 USC 1692g. Validation of debts XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.