davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I'm in the process of repairing my credit and I noticed a company by the name of XXXX XXXX is reporting two negative items on my credit report which keeps dragging down my score. I have no idea who these people are and I've never done any business with them or signed any type of paper work with them. 

The 1st amount is for {$350.00} and the 2nd amount is {$370.00}. I have worked hard and paid a lot of money to improve my score and profile only to have this company keep reporting it causing my score to drop from XXXX to currently XXXX. 

Please advise Thanks,
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying for months to log in to my transunion account and its been impossible I click forgot password I put my information and it does not let me proceed to next step and they keep charging me XXXX $ I have called their customer service number and I'm literally on hold for over 45 mins. its impossible to get a hold of them and on top I paid for the report once to get my credit report didn't expect they would be charging me every month for it when clearly I'm not using it and cant even log in to cancel that subscription.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I made a rewards purchase of a set off XXXX pots using my HSBC credit card around XX/XX/18. I received the pots around XX/XX/18 and was unsatisfied so, I immediately contacted HSBC by  phone for an RMA. They said it would take two weeks for the RMA number to arrive in the mail. While waiting I order a different set of pots with my reward points. I was subsequently contacted by over five different agents asking the same questions over and over and refiling multiple claims but still no RMA as of XX/XX/18.
Consumer complaint received 2024-03-20
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-08-11
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. (SC)

I sent a dispute letter to Experian on XX/XX/2018. USPS certified receipt shows Experian received my dispute. I disputed the accuracy and the verification of the account. The disputed account had an incorrect date opened. No account number. Inaccurate first date opened. Not only did Experian fail to delete the disputed account due to these errors, they also failed to properly validate the account per the Fair Credit Reporting Act, 15 U.S.C. 1681. The dispute was simply " rubber stamped '' verified. This Blatant violation of the law will result in seeking legal action.bought on by me if this can not be rectified.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (MO)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (MA)

My student loan servicing company, Aidvantage, has had several issues over the last month. Listed below are my concerns. 

1 ) Current bill for {$77.00}. The first support staff I spoke with on XX/XX/2023 could not explain this charge and said it would be handled within XXXX business days but it was not. The second support staff I spoke with today said that it the charge is the difference between what I have been paying monthly while my loans are in deferment, {$520.00}, and what my payment will be once deferment ends, {$590.00}. The staff said this would be removed in XXXXbusiness days. While the delta makes sense, there is no reason to have a XXXX because the is/has been no payment due since my loans have been in deferment. Now if I want to make the {$520.00} payment on my loan while they are in deferment, the {$77.00} bill is going to get paid first as if it was something I missed, which can not be true. 

2 ) There were loans showing up in my account, with a {$0.00} balance, from a university, XXXX XXXX, which I did not attend. These were loans XXXX and XXXX. While these were corrected, I have no idea how the showed up in my account and am concerned about my social security number possibly being accessed by someone else. 


I am very much hoping that Aidvantage follows through with removing this {$77.00} bill that I am seeing but my situation has created a lack of trust in the student loan servicing company and I feel compelled to report this in case other people are dealing with similar issues.
Consumer complaint received 2018-08-11
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. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX CAR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX CAR was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-03-20
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. (MS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-10
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. (KY)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (NC)

CREDIT INQUIRIES THAT I DID NOT INITIATE ARE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (FL)

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX  Balance {$850.00} In accordance with the fair credit reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 6 o 2 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 under 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 2024-04-10
Product: Credit card — General-purpose credit card or charge card
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. (FL)

Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (LA)

I have been submitting disputes to Experian with no success. I have reported this issue with CFPB but they still wont respond. I have a new collection account on my report that isnt mines. I filed a disputed today XX/XX/15 this morning and its has resulted as updated this afternoon XX/XX/15. They are not properly investigating these accounts.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (GA)

Experian is failing to take off XXXX accounts that are fraudulent I have provided a police report, federal trades commission identity theft report, letter from the IRS stating Im a victim of identity theft, I have sent multiple amounts of evidence, no resolution has been giving, both XXXX XXXX XXXX XXXX and XXXXXXXX XXXX has stolen my information and has used at will to open these fraudulent accounts in my name and Experian has done nothing about it, they continue to violate my rights, my identity has been leaked on the dark web several times and no help has been giving by this credit reporting agency to correct my report, I want these accounts taking off or I will seek legal action against them, now I want them to correct my report and do there job, this has been ignored for to long. Im not the only one they have done this to, Im asking and demanding my credit report be corrected and fixed and take off XXXX XXXX XXXX XXXX and XXXX XXXX, I can and I will sue for damages, they have ruined job opportunities and hurt me financially.
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.
Consumer complaint received 2023-08-24
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: Southwest Credit Systems, L.P. (NY)

I have contacted the company and spoke with a representative who assured me she will file a dispute, Ive sent letters letting them know that the debt was a result of identity theft. I have never lived at the address that the debt is associated with.
Consumer complaint received 2024-03-20
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. (GA)

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Experian has failed to respond to Escalation Ticket XXXX. I am unable to log into Experian as Experian seems to have connected my SS # with an email address that is not me. I requested a new user name and password so I can log in, verify credit, freeze/unfreeze credit etc. etc. They were contacted via telephone XX/XX/23, via mail XX/XX/23 & XX/XX/23 and via telephone again on XX/XX/23. I want Experian to contact me and resolve this issue and allow me to provide and use a user name and password linked to my email address. I have provided Experian with everything they have requested. Please note that it is almost impossible to reach an actual person via Experian 's phone numbers which makes this process even more frustrating and difficult.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2015-11-10
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Nationstar Mortgage has not issued a subordination agreement which they are required to do. The client qualifies for a new first mortgage and needs a subordination agreement from Nationstar for his 2nd mortgage so he can refinance the 1st mortgage. XXXX XXXX will save over {$200.00} by refinancing. We sent the request on XXXX/XXXX/2015 and followed up with other required info on XXXX/XXXX/2015. We have not received anything yet.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (TX)

XX/XX/year> There was 3 charges on the morning from a vender by the name of XXXX amounts {$1300.00}, XXXX all of which I did not authorize. I got notified from credit karma about the large transactions that morning and ask if I made these and responded no then locked my account there was also a attempt for a XXXX XXXX credit card being opened in my name same day that was not me that was rejected same morning. Also my account showed an incorrect email address email of XXXX that I have never seen before and had also change my phone number. They refused to accept my dispute of the charges and have now left me short a little over {$4200.00}.