davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC. (PA)

My private student loans were refinanced with Sofi, away from XXXX XXXX who have begun programs to discharge debts acquired from both school misconduct and XXXX 's business practices. 

XXXX has refused me application to this program due to refinancing, which is discriminatory against myself and others who have made their best efforts to be current on payments. If I had simply allowed these debts to fall into default and live comfortably, they will have forgiven this debt. 

Additionally, I have an approved Borrower to Defense application through the Sweet vs. Cardona lawsuit. The US government has found debts accrued from my school to be egregious and deserving of loan forgiveness.
Consumer complaint received 2024-05-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Credit Acceptance, LLC (GA)

As a customer I have the right to file a complaint that raises a matter of concern for my benefit I rather not negotiate any terms or conditions with ACA it is in my best interest to consult these allegations through my lawyer pertaining CFPB ( XXXX )
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am 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 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (GA)

Reporting agencies equifax XXXX XXXX etc are in possession of stolen credit card information see 15 usc 1602 ; 15 usc 1692, absent knowledge. Consent or approval. I attempted to opt out but these companies are in violation of 15 usc 1681 c-2
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

ACCORDING TO FCRA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION PLEASE REMOVE AS THIS IS A FORM OF IDENITY THEFT. 

THE ARTICLE STATES THAT The Fair Credit Reporting Act ( FCRA ) Section 605B, often referred to as the " block '' provision, outlines requirements regarding the blocking of information resulting from identity theft. Specifically, it allows consumers to block the reporting of information that results from identity theft to consumer reporting agencies. This section mandates that upon receiving a request from a consumer, consumer reporting agencies must block the reporting of information that the consumer identifies as resulting from identity theft. Additionally, the FCRA requires consumer reporting agencies to promptly notify the furnisher of the blocked information about the consumer 's request. The furnisher must then investigate the blocked information and report the results back to the consumer reporting agency.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX CREDIT BUREAU ; Every month I question the validity of this account. There is no way that this account was indeed verified- it's unverifiable and incomplete. Again, Im not sure who to take this to anymore, but I have disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and lack a thorough and in-depth investigation. Ive disputed and I have not received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. I'm extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable information. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing to follow up on my previous complaint regarding a fraudulent charge on my credit card account that was reported on XX/XX/XXXX, in the amount of {$170.00}. Despite multiple attempts to resolve this issue over the past several months, I have yet to receive any updates on my dispute or a claim number from your institution. 

I am extremely disappointed in the lack of progress and attention that has been given to my case. As a result, it appears that Bank of America is essentially stealing my money at this point, as the fraudulent charge has not been removed from my account. 

I have also filed a CFPB complaint. The agent did not respond or help me resolve my case in the 60 days following this complaint. 

On XX/XX/XXXX, my credit card issued by Bank of America ( BoA ), was charged {$170.00}. This was a fraud purchase that I did not make. The charge was posted on my account on XX/XX/XXXX. Since then, I have contacted Bank of America on three separate occasions to resolve this issue. Every time I was made to wait for over 30 minutes on hold and before being redirected to a different department. Finally, BoA mentioned that they will process review my dispute, file a claim, and provide a claim number. Its XX/XX/XXXX and I have not received a claim number or any updates on my dispute. No email communication or mail. As I type this report, I am on hold with BoAs customer service waiting for someone from their fraud department to take my call. Since it has been over seven months, Im filing this complaint in the hope that CFPB can help with the resolution. Please let me know if you need any additional information on this case.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Around XX/XX/2024 i called Equifax and XXXX about me not being able to view my credit Reports and Scores. i was asked to upload or send in a copy of my Drivers license, Social Security card, and a utility bill -paystub -insurance with the same address.I still never received any updates.
Consumer complaint received 2024-05-08
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. (TX)

multiple inquiry 's listed are not mine victim of identity theft attached is my theft report XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Cards Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX CXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score. 

Account Name : XXXX Account XXXX : XXXX. 
In accordance with the fair credit reporting Act public law. Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  Balance XXXX {$720.00} 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

This debt was placed on my credit file without prior noticed. I have disputed this alleged debt requesting that your company provide me validation of this debt. 
Your company has failed to comply. If you can not validate this debt, I demand you to remove this debt from my credit report. this is causing damages my reputation. I have read FDCPA, and come to notice that you are in violation of many of my federal protected consumer rights. I also did research on the company and found in many cases you all were sued for this same very season that is a violation of my rights. I demand you remove this account from credit/consumer report immediately if you're unable my validate this alleged debt based on the FDCPA Requirements
Consumer complaint received 2024-05-03
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. (CA)

Equifax needs to immediately delete the negative XXXX information off of my report. Pay me the {$400.00}, a sign on bonus that I was not able to attain because I was denied the credit card I was applying for. Equifax intentionally reported FALSE information without any documentation/proof/evidence and would not remove it even after I explained that XXXX had removed the info from their report. I requested they read their owne report. All creditors are paid in full either early or on time. Obviously if there is only one company reporting I owe them money and all the other companies for many years show consistently being paid in full all the time, ( something is not right. ) Between Equifax and the useless CFPB, I was told the reporting agencies don't have to provide documentation. They both suggested I hire an attorney of which they had referrals for. CFPB said I could call XXXX because the make the rules that don't mandate that documentation be provided to put in your file proving the slanderous comment. Understand that Equifax sent me a XXXX XXXX  report from their investigation and did not include any documentation from XXXX of whom I was a customer on auto pay for more than XXXX  years.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I am 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 XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-08-13
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. (AZ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-09-25
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-15
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. (CA)

I looked at my report back on XX/XX/year> and noticed things are incomplete and not accurate. according to the Fair Credit Report Act 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 to whom the report relates these accounts ( XXXX XXXX XXXX XXXX ) are not complete or accurate
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

I asked for assistance from the mortgage and my options were to apply for a modification for my mortgage. The problems start when i get my paperwork to sign the modification and the names don't match the title of the house. Midland mortgage is using another name saying that this other person is the owner of the house and the paperwork states that she doesn't have the obligation to pay for the house, only the original owner. The title of the house is only under the name of XXXX XXXX XXXX and XXXX XXXX XXXX ( deceased ) since XXXX that the house was purchased. When i called Midland Mortgage I testified that the modification was incorrect Under the name of XXXX XXXX XXXX and XXXX XXXX. The representative XXXX told me that my paperwork was correct and it was like that in the title of the house. I told XXXX that I don't know who is XXXX XXXX. XXXX said to me to go find XXXX for her to sign the paper work because the title came that way and that I didn't remember calling me an ignorant and dumb. I have the paper work under my power. The Only owners are XXXX XXXX XXXX & XXXX XXXX ( Deceased ).
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: EQUIFAX, INC. (FL)

on XXXX, i sent a complaint to XXXX, equifax, and XXXX  informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Since XX/XX/year> my identity was stolen I have been contacting Experian, XXXX and XXXX to remove these inquiries and negative items off of my credit report. Each time that I speak with someone Im getting hung up on or Im speaking with someone who is extremely rude. Dealing with this issue that caused a lot of embarrassment. Dealing with issue has dropped my credit score to the point to where Im getting denied to buy a home, purchase a vehicle, even an apartment.
Consumer complaint received 2024-04-30
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: BTH Management (TN)

My information was sold to Plaza Services , LLC from the original creditor, XXXX XXXX, without my knowledge. Plaza Services harassed me via email between the dates of XX/XX/2022 until XX/XX/2022 even after our phone conversation of me asking them to cease and desist all forms of communication. They have recently been attempting to collect a debt from me. I am not liable for this debt of {$5500.00} with Plaza Services , LLC. Account Number : XXXX. I do not have a contract with Plaza Services , LLC, they did not provide me with the original purchase agreement as requested.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Reported On XXXX XXXX, 2024 Account Balance {$920.00} : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-01
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filling this complaint. The stuff on my credit report is wrong.