davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

PLEASE LET ME MAKE THIS CLEAR THIS IS NOT NOT NOT NOT A REPEAT COMPLAINT. 

I ASKED FOR SPECIFIC INFORMATION IN MY COMPLAINT TO THE COMPANY, AND THEY ARE SUPPOSED TO ALREADY AS A MATTER OF LAW STATE THEIR REASONS IN MY REPORT, BUT THEY FAILED TO DO SO. I ASKED FOR THE INFORMATION, AND THEY FAILED TO PROVIDE IT. 

THIS IS ALSO A HABITUAL PROBLEM AND BAD FAITH EFFORT WHICH THEY CONTINUE TO DO EVERY XXXX MONTHS HOPING THEY WILL EVENTUALLY GET AWAY WITH IT : LAST MONTH I RECEIVED AN EMAIL FROM EXPERIAN CREDIT REPORTING COMPANY THAT SAID MY FICA SCORE DROPPED XXXX POINTS. WHEN I LOGGED IN, THEY DID DROP MY SCORE OF XXXX BY XXXX POINTS TO LESS THAN XXXX AND THAT IS SOMETHING THEY DEFINITELY NEED TO EXPLAIN WHY. 
THE REASONS FOR INCREASE AND DROPS ARE SUPPOSED TO BE STATED IN THE REPORT. IT WAS NOT. 
I ASKED, THEY IGNORED MY REQUEST. 

IF YOU KEEP LETTING THIS COMPANY,, EXPERIAN, GET AWAY WITH THIS, THEY WILL KEEP DOING THIS TO PEOPLE. i BELIEVE THEY DROP SCORES ESPECIALLY OF WOMEN SO THEY CAN USE A LOWER SCORE TO MAKE MORE MONEY IN FINANCE FEES AS THEY ARE ALWAYS TRYING TO SELL PEOPLE THINGS LIKE " CREDIT SCORE MONITORING '' ETC.

THE LAST TIME, I COMPLAINED AND IN MY REPORT THEY ONLY HAD THE EXAMPLES THAT RAISE THEE SCORE. ALL THE THINGS THAT WOULD LOWER THE SCORE DID NOT APPLY.

PLEASE READ THSI, PLEASE READ THIS : -- ALL I WANT TO KNOW ARE THE REASONS THEY DROPPED MY SCORE BY XXXX POINTS ( AND RAISING IT BY HALF THAT IS NOT ACCEPTABLE ). 
PLEASE CAN'T YOU LET CONGRESS KNOW OF THIS? THIS HURTS PEOPLE.
Consumer complaint received 2024-06-07
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. (TN)

I am seeing that an inquiry is on my credit report for XXXX XXXX XXXX XXXX XXXX . I have not applied for any credit cards with this financial institution. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

Was informed from Edfinancial on XX/XX/XXXX that I was approved for a refund of {$5300.00}. However on XX/XX/XXXX EdFinancial opted to reduce the amount to {$2300.00} without any explanation. Furthermore, they have stated that refunds have been sent totaling : {$1500.00} for which have been received. However when questioning the difference of {$3700.00} ( original difference amount ) or {$790.00} ( updated amount ), EdFinancial is refusing to provide further updates besides stating to talk to XXXX XXXX XXXX. When speaking with the XXXX XXXX XXXX, they have stated to talk to the servicer. My borrower defense claims are part of the Sweet v Cardona settlement and were approved in XX/XX/XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (CA)

I am writing today to dispute inaccurate information reporting on my credit report. I would also like to dispute the date of last activity. This is a factual dispute and I have evidence to support my disputes. This OneMain account with the account # XXXX has been consistently reporting inaccurate information to XXXX and XXXX credit bureaus. This is a direct violation of my consumer rights and also violates the FCRA, when inaccurate information is being reported to my consumer report or credit report. Listed below are the inaccurate items being reported to the credit bureaus. 

In XX/XX/XXXX your company OneMain reported my payment 90 days late, but the month before in XX/XX/XXXX your company reported my payment 30 days late.There is only XXXX calendar days in the month of XXXX, so how can my payment go from 30 days late to 90 days late in a one month time frame? 
In XX/XX/XXXX your company OneMain reported my payment 60 days late, but the month before in XX/XX/XXXX, you reported my payment on time. How can my payment be on time in XXXX but one month later in XXXX, my payment is reported 60 days late? 
The same situation happened in XX/XX/XXXX. Your company OneMain reported my payment 60 days late, but the prior in XX/XX/XXXX, you reported my payment on time. How can my payment be on time in XXXX but one month later in XXXX, my payment is reported 60 days late? 
The date of last activity is reporting inconsistently and inaccurate on my credit reports. On XXXX the date of last activity is reporting XXXX, but on XXXX it reports as XXXX. This is crucial because this affects the date in which this account will fall off my credit report. If the information is coming from the same original creditor, which is OneMain, then why aren't the dates reporting the same. If I have two different dates, how can I say this is accurate information being reported on my credit report? 

This OneMain account violates the FCRA, and I demand this account be deleted from both XXXX and XXXX. According to 15 USC section 602, if any information is being reported inaccurately, I have the right to get it removed or deleted from my credit report. There are several inaccurate items reporting on this account to the credit bureaus ; therefore, I request this account be removed or deleted from both XXXX and XXXX. 

Please see all the attached and enclosed documents to support my disputes. I have also included a copy of my drivers license to verify my identity.Please delete this account, and thanks for your time and consideration.
Consumer complaint received 2024-06-03
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
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. (OH)

Recently, the inquiries under an XXXX report with reference number XXXX were still present in my Equifax credit report, whereas the other credit bureaus have removed the inquiries, leaving only the inaccurate personal information to be addressed. If you do not remove the following inquiries listed below, which are inaccurately reported due to erroneous credit report entries, I will forward my documents to my attorney to initiate legal action. It is my intention to avoid any legal action, so please adhere to the law. I have also attached a new XXXX report with reference number XXXX. Please remove the following inquiries as they are unauthorized and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you claim these inquiries are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these inquiries that bear my signature, as I know none exist. In the absence of such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have four business days to remove the reporting of any items in my credit file that resulted from erroneous credit report entries. I do not consent to XXXX or any means of automated verification. I expect your immediate attention to this matter and a response within four business days.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 2024-06-02
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.c 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-06-13
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)

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 XXXX party. They in fact did not come from a XXXX 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 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-13
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. (MD)

It has come to my attention that you have neglected to fulfill the requirement outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. Specifically, you failed to indicate that a particular account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.
Consumer complaint received 2019-07-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I HAVE BEEN UNSUCCESSFUL IN GETTING PORTFOLIO RECOVERY ASSOCIATES, LLC WHOM I HAVE PAID MY ACCOUNT BALANCES AND HAVE PROOF OF THE PAYMENT ARRANGEMENTS WE MADE AND WERE PAID OUT DIRECTLY FROM MY ESCROW ACCOUNT TO SHOW PROOF THEY HAVE BEEN PAID IN FULL AND THEY CONTINUE TO FRAUDULENTLY DENY MY REQUEST TO UPDATE MY CREDIT REPORT TO SHOW MY ACCOUNTS HAVE BEEN PAID IN FULL. I HAVE TALKED TO THEM SEVERAL TIMES OVER THE PHONE AND THROUGH XXXX XXXX I HAVE BEEN FIGHTING WITH THIS FOR THE PAST 3 MONTHS.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I disputed this account and asked for additional information of proof this belonged to me. I do not recall or have any recollection of this account. This account is showing on my credit report inaccurately and prohibiting me from buying a home. Please remove this in accurate account as soon as possible.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.c 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-03
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. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-03
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 made a payment to XXXX XXXX for {$140.00} on XX/XX/year>. I reached out to XXXX on XXXX XXXXXX/XX/year> to verify that they sent the updated payment to the collection agency ( XXXX XXXX ). XXXX XXXX expressed that they did not have record of the payment even though I called their agency directly to make the payment. 

There is a second collection in the amount of {$620.00} from the same company XXXX XXXX XXXX ) that is with the collection agency ( XXXX XXXX ) and this account is reporting misinformation. The original creditor ( XXXX XXXX ) would not provide me with any information on the account. This company is reporting inaccurate information.
Consumer complaint received 2024-06-03
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. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-03
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)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-03-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

SPS has not been reducing the mortgage balance by the payments they are receiving. 
We have paid XXXX XXXX through IL Housing Assistance along with the reg mortgage payment, and I don't see where the mortgage balance has been lowered. 
I have a called and email them to look into this matter. 
SPS has a terrible score with the XXXX XXXX XXXX  with numerous consumer complaints. This company should be closed and investigated. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-03
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. (CA)

While checking my personal credit report, which I acquired from XXXX, XXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.