davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information and old addresses all need to be deleted immediately. 

Following accounts reporting wrong information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Original Creditor : XXXX XXXX  ) UHEAA/DOE
Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Encompass Mortgage Services Inc. (FL)

I submitted the requested information/documents for myself and my co-borrower and the processor knowingly input false information, which resulted in a false pre-approval. With this false pre-approval I found a home which I paid the required deposit and inspection for the property. 72 hours prior to closing I was asked to submit more documents/information, however i was unable to provide the information because it was false. My documents that i submitted from XXXX to XXXX never indicated the information submitted on the mortgage application. I was denied for the loan and I was unable to receive my money back for the deposit and inspection.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$430.00}
Consumer complaint received 2023-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-01
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. ()

I ORDERED THIS REPORT BECAUSE I WAS DENIED CREDIT ON THE BASIS OF WRONG INFORMATION THAT EXPERIAN REPORTED TO A CREDITOR. UNFORTUNATELY, I DO NOT REMEMBER THE EXACT DATE THAT I ORDERED THE REPORT BUT I DO KNOW THAT I WAS UNDER THE IMPRESSION IT WOULD BE SECURELY DELIVERED!!!! 

IT WAS NOT!!!!! ALL XXXX PAGES WERE EXPOSED AND GONE THRU.!!!!!! 

WHEN I PICKED IT UP FROM THE POST OFFICE ON XX/XX/24, IT WAS IN A TORN OPEN ENVELOPE. 
TORN WIDE OPEN!!!! ( NOT JUST A CORNER OR PART OF THE FLAP ) AND THEN SECURED IN A POST OFFICE PLASTIC COVER. WHEN I GOT IT HOME THERE WERE FOLDED PAGES AND INDICATIONS IT HAD BEEN VIEWED. 

I TRIED TO CALL THEM, EXPERIAN, IMMEDIATELY BUT COULD NOT GET PAST THEIR XXXX XXXX XXXX. WHICH IS NON RESPONSIVE AND DOES NOT ALLOW FOR LIVE INTERACTION. I SPENT A COUPLE HRS TRYING TO GET THEM ON THE PHONE. 

I PUT A CREDIT FREEZE ON MY ACCT. 
THROUGH THE AUTOMATED SYSTEM. 
I ALSO CALLED THE OTHER XXXX AGENCIES TO ADD A FREEZE. 

EXPERIAN SHOULD BE ACCOUNTABLE FOR ANY COMPROMISED INFORMATION. 
XXXX CALL SHOULD BE ENOUGH. 
AND EXPERIAN SHOULD HAVE HAD TO HELP ME PROTECT MY ACCTS. HELP ME NOTIFY OTHER AGENCIES!!! 

EXPERIAN HAD A FIDUCIARY RESPONSIBILITY TO SECURE MY INFORMATION BEFORE IT WAS DELIVERED TO ME!!!!! THIS IS A BREACH AND I AM SERIOUSLY COMPROMISED BY THEIR CARELESSNESS.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
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 status incorrect
Company: EQUIFAX, INC. (WI)

On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

XX/XX/XXXX I want this account removed from all three credit reports for each of the following reasons. 
Reference account XXXX XXXX XXXX, account number XXXX Delete for inaccuracy because the payment history reflects the continuation of Voluntary Surrender Reports after the vehicle was repossessed in XX/XX/XXXX. 
Delete this account for violation because notice of dispute was not entered as required within 30 days from the date my first dispute was received, pursuant to section XXXX of the FCRA Delete due to inaccuracy and lack of information, such as closing date and last activity date. 
Additionally, the date updated of XX/XX/XXXX shows us that this account has never been investigated despite my claims I, XXXX XXXX, have included copies of my recent investigation report as well as copies of the credit report where the advertised account is located and the lack of interest or negligence on the part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report.

So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

Two weeks ago I contacted Experian regarding a wrong address they are reporting on my credit report. I have been told to upload my DL and a utility bill and I had uploaded it at Experian/upload portal and they having update my information. 

I will attach my DL and a utility bill with this complaint. 


15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rapidly Financial, Inc. (MS)

On XX/XX/XXXX I applied for a tax refund loan in the amount of {$500.00} for XXXX gifts for my children. Refundnote required supporting documentation to verify employment and identity along with a copy of my XXXX tax return. On Sunday XX/XX/XXXX, I was emailed Refundnote 's Agreement and Consent documents to be e-signed. the document contained the fees to be charged in the amount of {$520.00} along with and estimated amount for my XXXX tax refund and under terms they prepare my XXXX Tax Return. The documents were signed and emailed back. So i assumed that I was approved for the loan and that I would hear from someone the following day. Of course I received no email informing me about the loan. By this time I was worried so the only way to contact Refundnote is through email. I emailed support on Tuesday XX/XX/XXXX and wanted an update on my loan and that I sent out an email prior to get an update and no reply. In the email I informed them that I was going to report them to FTC and XXXX. Well what do you know I got an email stating my application has been accepted and that more documentation was required and if the information is submitted before XXXX EST my funds would be available the same day. The documentation requested was a utility bill, health insurance info on me and my children, document clearly showing my children 's social. As of today no funds or email. Starting to think this company is a scam and that they have all in information and will attempt to file my taxes.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, XXXX, Experian, and XXXX XXXX XXXX XXXX is reporting me being 30 days late on my personal loan with XXXX XXXX XXXX XXXX in XX/XX/2023. However I evidence to prove that this information is inaccurate. Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit report and score. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold all parties accountable for their failure to adhere to the fair credit reporting practices. Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (CA)

i have an Itin and when i went to the dealer they informed me that i had a different social on my report, however i should only be listed under my itin which is XXXX nut the social i am getting MIXED-UP WITH IS XXXX I NEED THIS CORRECTED, I AM BEING DENIED A CAR DUE TO HAVING A MIX CREDIT WITH 2 IDENTIFICATION NUMBERS, I HAVE SENT IN ALL DISPUTES AND IT IS STILL BEING IGNORED. NO ONE HAS BEEN ABLE TO HELP ME AND I DON'T KNOW WHAT TO DO. I NEED TO REMOVE THE XXXX FROM MY REPORT, I DO NOT HAVE A SOCIAL I HAVE A ITIN PLEASE, DELETE THIS AND ANY INFORMATION THAT IS NOT MINE.
Consumer complaint received 2024-08-05
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. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-23
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. (SC)

Re : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Attached please find a letter I received from a collection agency on XXXX The letter states : We have also deleted this collection item from your credit report. Clearly the agency failed to do so, as the collection record shows on my credit report as XXXX The item in question is : XXXX XXXX XXXX XXXX XXXX  Please remove this item from my credit history immediately as the creditor and I both have requested. 

Thank you for your time, XXXX XXXX ll XXXX
Consumer complaint received 2024-05-01
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. (MS)

My information was breeched a few years back when I went on vacation on the XXXX XXXX XXXX. I've been trying ever since to get my credit and other information back on track. This XXXX card is not mine and I need them to remove it.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, 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)

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting all 3 credit bureaus to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (UT)

On XX/XX/year>, I applied for student loan consolidation that was denied recently by Nelnet. I would like to know if the following applies to me : Many student loan borrowers have multiple education loans, either because they borrowed repeatedly throughout college or returned to school at some point. 

If these borrowers are enrolled in an income-driven repayment plan, it can mean theyre also on multiple different timelines to forgiveness. ( Depending on the plan, borrowers can get any remaining debt excused after XXXX, XXXX or XXXX  years. ) Under the temporary policy instituted by the Biden administration, borrowers who consolidate will earn credit toward all their loans based on the one they have been paying off the longest. They will also earn credit for certain periods that previously didnt count, including some months spent in deferments or forbearances. 

This will ensure folks get the maximum number of months of credit towards student debt cancellation,
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

{$9500.00} was taken out of my Bank of America checking account via bill pay to another Bank of America Credit card owner 's account on XX/XX/XXXX. 

I noticed the mistake or fraud charge against my account on XX/XX/XXXX. I called Bank of America and reported the charge the same day. I was told to wait 10 days for a response. I called back 10 days later and was told my claim was denied due to it being filed to the incorrect department. It was supposed to be sent to the electronic bill pay department. I was told it was resubmitted to the correct department. 

I called again on XX/XX/XXXX to be told that my claim was closed due to there being evidence that I submitted the payment from my phone. I did not submit any such payment.
Consumer complaint received 2023-04-30
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)

The Credit bureaus stated XXXX XXXX, Account # XXXX was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2018-05-21
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. (TN)

I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( Equifax, XXXX, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4  times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
Consumer complaint received 2018-05-21
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. (NY)

I AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT REPORT.