davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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. (MI)

On XX/XX/XXXX, I decided to look at my credit report on Experian.com since I have not looked in awhile. I noticed my lease for XXXX XXXX XXXX with XXXX XXXX XXXX was listed with a balance due. I paid this lease off in XXXX of XXXX, so this puzzled me. I phone XXXX XXXX XXXX on this date and they confirmed my lease was paid in full and they sent me a letter stating this dated XX/XX/XXXX. I proceeded to phone Experian on this date, XX/XX/XXXX and they did not provide any information other than starting a dispute, which I did on that day. On XX/XX/XXXX, Experian sent my results with no change. Now my XXXX XXXX XXXX XXXX is in the " negative impact '' column and my credit score decreased by XXXX points. I again phone XXXX with same results and also phoned Experian, stating this account was paid in full, nothing owed. I also began a second dispute on XX/XX/XXXX. On XX/XX/XXXX Experian notified me there was no change, after disputing. The XXXX XXXX XXXX line item on my Experian credit report now shows " Paid in Settlement, '' which it had not shown before. For the XXXX time, I phoned XXXX and also Experian on XX/XX/XXXX. XXXX told me account paid in full, not " paid in settlement. '' Experian advised me to upload the letter from XXXX showing this, which I did on XX/XX/XXXX. Today, XX/XX/XXXX I received the same negative notification from Experian, even after uploading my letter from XXXX XXXX XXXX. My credit score has decreased as well as the XXXX  information going into a negative column and not expiring until XXXX!!!
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (TX)

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX  XXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and Equifax credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or Equifax to remove the inquiries. XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) EQUIFAX Unauthorized Inquiries : XXXX  XXXX, XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

In the past 2 months, I have contacted Experian regarding the inaccuracy of my credit report and scores being reflected through my Experian XXXX XXXX membership. In the beginning, I was getting alerts on a regular basis regarding score changes due to changing balances and credit limit increases, now Im getting absolutely nothing although I pay {$21.00} per month for an inaccurate and outdated score and dont reap any of the benefits of the membership like Experian boost perks. The only benefit is I can conveniently lock and unlock my credit and on a monthly basis get a XXXX XXXX from XXXX and XXXX that go up according to lower balances and higher credit limits, but Experian has kept my score stagnant for the last two months, no longer sends me alerts although there are credit changes to my report that effect my score in a positive manner, and doesnt keep the information in my report accurate and updated. In addition, customer service is awful, especially when trying to reach a live agent. On each occasion, it takes a number of attempts to reach a live agent and when you finally do get through the agents dont have answers or solutions to your questions and problems and intentionally disconnect you! Consequently, I was hung up on today as soon as I expressed my concerns!
Consumer complaint received 2024-03-11
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 an account without my written instructions.
Consumer complaint received 2022-12-13
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. (VA)

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 2023-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OR)

My servicer changed to Mohela around one year ago. I have tried countless times to contact the company to verify multiple things and can never get through to a person. Their website does not allow actual emails or messages either. When you click to message them it just takes you to an FAQ page. My public student loan forgiveness credit from the paus has not been updates. I want confirmation on which payment plan I am enrolled and what my payments will be starting in XXXX. 

Holding loans is stressful, all that is happening over the last few years makes it more stressful, and a company with poor business practice and nonexistent customer service makes everything worse. I pay on my loans and have filed all of the necessary paperwork for repayment and XXXX verification every year. Even if I didn't, I would still deserve to have my questions answered. It is truly despicable how this company is performing. Please help. There were times when the previous servicer, XXXX would not know the best answer to my questions but someone always answered the call. What can I do??
Consumer complaint received 2022-12-05
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (CT)

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. 
XXXX Account # XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

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 furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

My name and identity was stolen and the US District Attorneys Office notified me of the breach/that I was a victim of Identity Theft. 

Jefferson Capital System {$440.00} Jefferson Capital System {$930.00} XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

The mortgage company, I believe, is duping customers by charging a late payment fee whenever a change is made to the AutoPay process. They have already charged me twice to the tune of over {$160.00}. I strongly believe that this a fraudulent practice that must be investigated.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 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 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act 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 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 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.

There are many inaccuracies within my consumer report. See enclosed attachments
Consumer complaint received 2022-12-13
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

There are many inaccuracies within my consumer report. See enclosed attachments
Consumer complaint received 2024-03-11
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. (MD)

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 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 2024-03-11
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and XXXX  That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-04-24
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: Experian Information Solutions Inc. (MO)

XXXX Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet XXXX XXXXs still reporting false information inwhich I'm demanding be deleted from my current credit report.
Consumer complaint received 2023-07-31
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. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX/XXXX  XXXX Balance Owed  : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

WELLS FARGO XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

WF/PREFERR XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 



XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX  XXXX  & XXXX  XXXX Balance Owed : {$4700.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX  I XXXX Balance Owed : {$3400.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.