davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

They lied about the terms of the loan misrepresenting the loan I got. Will not give me information on different programs to lower the payments. Making me do forbearance when I could have did a different program. My XXXX year-old mother was cosigner and they be making her real upset Did not tell me this was a private loan Will not lower my payments
Consumer complaint received 2023-11-08
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. (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  Account XXXX Account Name : XXXX Account 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 2023-10-30
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. (OH)

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX I have file a report and compliant with FTC and XXXX Police dept.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, on XX/XX/2018 around XXXX XXXX CST, I signed up for " TransUnion '' to try and check my credit score. However, I had absolutely no clue that they would instantly charge me {$19.00} upon putting in my bank details. I had no idea I was going to be charged this money, and it was not clear whatsoever that I would be charged upon simply just signing up. I managed to cancel my subscription ( that I also had no clue it would be subscription based either ). I have attempted to call their help line several times at different times of the day and they never answer my call or put me on hold and never come back!
Consumer complaint received 2023-07-24
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-11-16
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

XXXX and Experian is reporting a bankruptcy on my consumer report and they have put in the data furnisher as being The US Bankruptcy XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXX of XXXX verifying and stating that they do not furnish information over to the credit bureaus or any 3rd party companies. XXXX and Experian is falsey stating this information on my consumer report and have yet to remove this from my consumer report.
Consumer complaint received 2018-12-21
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. (GA)

I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX XXXX   XXXX,
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2018-12-21
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. (GA)

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX
Consumer complaint received 2023-10-11
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

When I first applied for consolidation I considered Income Driven Repayment, however, I already pay a large amount of private loans monthly, and once I got my log in to nelnet, I applied for standard payments as they were lower and their offer for XXXX plus my private loans totaled XXXX a month. It adjusted my payment to about XXXX a month. I log in now, and I see two XXXX loans I dont recognize and are nowhere to be found on XXXX  gov. And my payments went back onto XXXX  and now being close to XXXX a month. Then I go back to reapply online for standard and now the monthly payments offered are close to XXXX a month. Nobody picks up the phone for HOURS over DAYS of calling and when I finally get a response Im told I need to be transferred and the call is disconnected again. Why are my payment amounts changing? What are these XXXX dollar loans I dont see on studentaid.gov??
Consumer complaint received 2022-11-16
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. (TX)

There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I call XXXX, XXXX and TransUnion credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.
Consumer complaint received 2024-03-28
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (WI)

I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with XXXX XXXX XXXX - Billing Error, corrections should be made.
Consumer complaint received 2024-03-28
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX A ) Account Number : XXXX, and so on.
Consumer complaint received 2023-06-20
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Account name : # 1234, Accounts name : # 1234 has violated my rights 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 then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the
Consumer complaint received 2024-03-28
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. (SC)

This account is not my account. At the time of this account being opened I was incarcerated. Someone must have opened an account in my name. This information is reporting on my account and it is not mine. They would not adhere to the law. 

XXXX XXXX XXXX XXXX Account Number:XXXX Amount : {$520.00} I sent a debt validation letter on XX/XX/year>, it has been thirty days. The company has not responded.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (LA)

As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 
Notice of Subrogation/Surety and stipulation were sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tender was sent XX/XX/ RE : XXXX XXXX XXXX Acceptance of discharge was sent XXXX XXXX XXXX 
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt assignment, Rescission of signature and intention on writ was sent. 
XXXX XXXX XXXX Cert # XXXX XXXX XXXX XXXX XXXX XXXX. Exoneration notice sent It was never my intention to be part of a trust whereby I was not the beneficiary. 
Wells Fargos only response is to say the debt is valid. They have redeemed the {$21.00} money order sent on special deposit commingling funds.
Consumer complaint received 2023-09-22
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. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX & XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 2023-09-22
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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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 XXXXXXXX Inquired XX/XX/XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from Experian confirming identity theft from there identity theft protection program my information was sold during the XXXX data breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove information : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (CA)

Grain technology has an outdated app and hasnt had a working payment processor in 2 months. When trying to make my payment they didnt allow it to go through. They have now figured out their problem and are utilizing a new processor but flagged my account as 30 days late and tanked my credit score.
Consumer complaint received 2024-03-28
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. (NJ)

I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX XXXX XXXX, account number # XXXX, is not complete nor is it accurate. 

XXXX XXXX XXXX XXXX  account number # XXXX, is reporting the payment history incorrectly as well as inaccuratelyreporting the last payment date.