davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXXXXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-11-20
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 extend my appreciation for the efforts taken thus far to address the fraudulent items on my credit reports resulting from an alleged identity theft. However, I would like to bring to your attention the remaining items that persistently appear on my credit reports, which do not belong to me. Upon reviewing my records, I observed that these unresolved items are still inaccurately reported, and I believe their presence violates Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of items opened due to identity theft. I have attached the required FTC Report with # XXXX & XXXX for your reference and with inclusion of my personal documents. The fraudulent items in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26
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. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Shore Financial Services, LLC (NJ)

My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. UNITED WHOLESALE MOR XXXX  I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2024-04-11
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 want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-05-15
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. (VA)

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in 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 : Account name XXXX  XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring payments are consistently made on time on this account has been a priority, preventing any occurrences of overdue status. I find myself uncertain regarding the rationale behind the appearance of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrective measures are warranted.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Hello, I would like to start out by noting that account # XXXX XXXX XXXX XXXX XXXX. This is the correct and only accurate account i had with that company. This account was closed on XX/XX/2023. 

Now I have taking the liberty of attaching several supporting documentations. That will support my findings with account number ending in XXXX XXXX. That's being reported on my Equifax and XXXX credit profiles. 

I have found that XXXX XXXX XXXX XXXX is reporting two different account numbers. 
XXXX ) XXXX account # XXXX XXXX ) Equifax account # XXXX XXXX ) XXXX  account # XXXX company I'm disputing wrong account number, Payment status and Last updates. This company has been reporting a wrong account number. At the same time typing in derogatory and damaging incorrect status information. They are changing positive information into negative information every month. After I'd called and informed them of their discrepancies. 

I was denied of a home equity loan today. Due to XXXX XXXX XXXX XXXX XXXX reported on my Equifax credit report. That that closed account now was ( Not more than XXXX payments past due ). How in the XXXX can they report on a closed paid off/Never late account. 

This Company needs to be shut down and have a investigation done. I can't be my life for advancement was rip right from under me today. XXXX knows, I was extremely excited to get equity from working so hard to pay down my mortgage. To where I was able to pull cash from my investment. Unfortunately, as you will see from the supporting documentations. I was denied the loan due to a XXXX Equifax credit score. After it drop XXXX points from the information that XXXX XXXX XXXX XXXX reported. 
Only XXXX has the correct and true correct account information. I attached it as well, and you will see the correct account # and the correct status information as well. 

I ask so whole heartily that this account be DELETED from my Equifax and XXXX credit profiles. So that this will never ever happen again.. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-15
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. (TN)

On XX/XX/2018 I was notified by XXXX  XXXX that there was a " recent '' hard inquiry from a company doing business as XXXX XXXX XXXX that appeared on my Equifax credit report. I immediately XXXX this company to inquire on who they are. I contacted them on XX/XX/2018 to check into this matter because I did not authorize a credit check of any sort from this company or any other company in the past 9 months. XXXX XXXX XXXX apologized and claimed that these unauthorized inquiries happen often. They advised me to contact the credit bureau that shows this inquiry to have it removed. XXXX XXXX claims that they are not a " creditor '' and are not able to get this removed. At that point, on XX/XX/2018 I contacted Equifax about this matter. Equifax told me that they are unable to remove this unauthorized inquiry and that I needed to contact XXXX XXXX XXXX to initiate the request for removal since XXXX is the company that pulled my credit report without my authorization. From that point, which was XX/XX/2018 I have spoken with several people from both companies and neither are willing to fixed this problem. They both continue to tell me that the other needs initiate the process to have that inquiry removed. At this point, I personally feel that Equifax should take the high road and remove this unauthorized inquiry from my credit report. My dispute confirmation number with Equifax is XXXX. I was never given a case or complaint number with XXXX XXXX XXXX as they explained to me that Equifax would have to initiate a case or claim on my behalf prior to their fraud dept investigating my claim of fraud. Please help.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (LA)

Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.
Consumer complaint received 2023-09-11
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. (CA)

In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (TX)

I noticed that there were some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. See items listed below. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX phone # XXXX. 
Account number XXXX They are reporting 3 different current balances that are all different, as well as 3 Original balances that are total different, the opened dates are different, the last reported are all different, last payments are not the same or accurate. Charge offs should not have past due balances because they are late by default and all XXXX have past due balances. As well as each one of reporting that I owe a different past due amount. XXXX has 24 late payments attached to this account when there should be no late payments on charge accounts. This has impacted on other credit decisions I have applied for and have been denied. And continues to impact me negatively especially since I have not only the charge off but also each late payment that gets reported. This isn't just a reporting one error on their part this is numerous errors. This is inaccurate reporting therefore please remove this account from my credit report or update it to paid as agreed due to my FCRA right. I have been affected for a long time already due to this account. The law states that only accurate information is reported and published for consumers to see. Nothing that is reported from this company is accurate and they have violated my rights. Please send verification this account has been removed. Thank you
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( XXXX ) accounts reporting on XXXX, Equifax and XXXX.
Consumer complaint received 2024-05-15
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. (VA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in 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 : Account Name XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

Problem # XXXX My servicer ( EdFinancial ) has made errors to the days of accrued interest, and subsequently, the amount of total interest accrued. I was in graduate school from XX/XX/XXXX to XX/XX/XXXX. There are XXXX different loans that were borrowed after XX/XX/XXXX when payment paused and interest stopped accruing. The image attached is a screenshot I took of my total loan balance on XX/XX/XXXX. Please note that no payments have been made before XX/XX/XXXX. From the image ( XXXX ( XXXX MB ) ), loans XXXX to XXXX are the XXXX loans borrowed after XX/XX/XXXX. All these loans have accrued 86 days worth of interest by XX/XX/XXXX, but it should've only accrued 43 days. ( from XX/XX/XXXX to XX/XX/XXXX ) For example, the loan 1-13 Direct Grad PLUS ( Principle : $ XXXX, XXXX : 6.280 % ) that was issued on XX/XX/XXXX, should have accrued total of 43 days of interest, {$310.00}. But it shows amount of interest accrued as {$620.00}, or 86 days worth of interest. This is the same case for all of my loans that were borrowed after XXXX, XXXX ( Loans XXXX to XXXX ). 

Problem # XXXX However, after the screenshot was taken on XX/XX/XXXX, I have made a payment of {$7000.00} on XX/XX/XXXX. Because Edfinancial put me on the standard payment for 2 months since the payment resumed XX/XX/XXXX. However, I had requested for REPAYE ( and now called XXXX ), back in XX/XX/XXXX, and again, on XX/XX/XXXX. Based on the timing of my application, I should've been on the XXXX plan since XXXX, and automatically been changed to SAVE plan by XX/XX/XXXX. However, because Edfinancial has put me on the standard payment for the first 2 months, I was forced to pay the minimum amount of {$3500.00} every month. In total, I had made {$7000.00} payment, which was very high compared to the income I have. Not only that, because I was not on the XXXX plan, I have not been able to receive the benefit of the plan that " eliminates 100 % of remaining interest for both subsidized and unsubsidized loans after a scheduled payment is made. '' As a result, I've accrued interest that was not paid for during the first 2 months, on top of the incorrect amount of interest that accrued. The representative I talked with said they can not see the date of loan imbursement, and therefore, can't calculate the correct amount of interest. Edfinancial refuses to make any changes because they say that they never received IDR Application report from FSA.

The payment I made went towards the incorrect amount of interest, and some of my principal balance. Edfinancial refuses to review my account as they confidently say there is no error.
Consumer complaint received 2024-05-15
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. (VA)

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in 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 : Account name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I have a Wells Fargo Checking account which i have a credit card from Wells fargo attached to if in case of overdrafts. For Years i have been charged an overdraft fee plus the overdraft and it would be charged to my credit card which has a high interest rate. only to have a deposit come through immediately after that that would have covered my charges. I work in the XXXX XXXX and this whole process would be a conflict of interest if i was involved with this process. recently due to Pressure from Class action law suits i got a letter stating that they would reverse any overdrafts if deposits came in by XXXX the next business day. so i gave them the benefit of the doubt because it seemed like these fee vultures where changing there ways, then 2 days ago my account went negative they pulled mone and the fee from my credit card, a deposit came in they reversed the Overdraft form my Checking account but not form my credit card, i had to call them this morning an threaten them and they reversed the credit card charge and the fee. I am now interested in getting all of my fees and charges that where not crediotied back to me over the years. Im sure that i'm not the only one having this issue..
Consumer complaint received 2024-05-15
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. (VA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in 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 : Account Name XXXX XXXXXXXX Account Number XXXX
Consumer complaint received 2022-12-19
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. (TN)

On XXXX different occasions I have submitted a dispute via mail to have XXXX accounts on my Transunion report removed due to inaccuracy. I requested to be notified with proof of verification on how the companies responded. After the XXXX dispute was completed I received the generic results from Transunion stating the accounts were verified with no proof. So I resubmitted them and received a letter stating they would not reinvestigate. These accounts were removed from both XXXX and XXXX due to inaccuracy but Transunion is denying me the proof I have requested as well as refusing to reinvestigate which is in violation of my consumer rights.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

Hello, I have a credit card issued by Chase and co-marketed with Southwest Airlines. The product is a Southwest Rapid Rewards Priority Card. 

The card advertises 4 free Southwest Upgraded boardings every year. In brief, at the airport, you pay $ 40-50 board the plane earlier and Chase is supposed to issue a credit for these charges. However, after over 6 attempts to use this benefit, every single time I try to use this benefit, the airport Southwest gate agents have stated that upgraded boardings are available but that that specific Chase card is declined as a payment method for this benefit ( their system errors out and says invalid payment method ). To be clear, this is not a capacity restriction, I've been told that I would receive a specific boarding positon such as A5, but when the agent tries to run the payment, there is a system error. This makes this advertised benefit impossible to use. My most recent specific example is SNA-DEN on XX/XX/21 with flight 4721 if this is helpful to the airline 's trouble-shooting. In all of these cases, the card was in good standing with many thousands of dollars of remaining available credit line.

In brief, the promised benefit of 4 free Southwest Upgraded Boardings every year is a benefit that is impossible to actually use due to an apparent technical error on the part of Southwest and/or Chase.