davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XX/XX/XXXX dispute completed on account related to XXXX XXXXXXXX XXXX XXXX whom prior had the account on Experian report marked paid/ closed with a 30 day late mark on XX/XX/XXXX. 
Following the completion of your investigation of this matter and reaching out to the lender on this account you came back and updated the account to paid/ closed/ never late. All was good from that point till XX/XX/XXXX. You have a dispute entered like I was the one who disputed this account and I simply ask what was there to dispute there was no late payments on the account or anything. Well now this account has the 30 day lare payment reported now under XX/XX/XXXX. I called customer service who cant access this dispute confirmation number listed at the top of the disputes who cant see this account waZ ever disputed so I turn around and submit everything I have through the upload tab now uou all used my documents to simply update the late payment from XXXX XXXX to XX/XX/XXXX that same document you used clearly states tbe account was paid closed never late yet that wasnt updated. My issue is I go through the whole dispute process on this account thats closed I might add so why all these updates I dont get. But I go through the process you all complete the investigation in conjunction with the lender who I refuse to deal with at this point cause its dependent on who you are talking to as to what the account shoukd look like instead of being consistent across all reports. But you all wont stand behind your own results of a dispute completed on a closed account so its not like theres been more history added but you all have the 30 day late reported afrer calling and submitting the prior results.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied Capital One Venture card with 800+ credit score and clean credit history and got denied immediately left my credit report with a new hard inquiry. 

This happens for many people commented online citing that Capital One is out of room for new applicants. If that so, then please have Capital One stop recommending and marketing this product to avoid people applying and leaving a hard inquiry on credit report.
Consumer complaint received 2021-03-22
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: EQUIFAX, INC. (SC)

Attempted several times to log onto my.equifax.com. After calling equivalent multiple times over the past 8 weeks, the problem remains unresolved.

I can not see my score nor my credit report. Each person claims to assist and that its an IT problem.

Thanks.
Consumer complaint received 2023-06-01
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. (TX)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; 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 2023-02-01
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. (TN)

My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to XXXX, Equifax, and XXXX are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.
Consumer complaint received 2023-04-02
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. (CA)

My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. Equifax the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education XXXX and the reporting agency Equifax and have not came to an amicable resolution.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account one month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.
Consumer complaint received 2023-02-24
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX  Balance Owed : {$4700.00}.
Consumer complaint received 2023-06-14
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

For the past several months around the middle of each month my Equifax score plunges between XXXX and XXXX points with no noticeable changes to warrant such steep and sudden drops. Sometimes they are corrected within a few days, however, other times they take more than a month or so to be corrected. This has been occurring almost every month beginning in XX/XX/2023 and recently occurred at the time of this complaint. I have taken screenshots of the trajectories of these irratic movements per line graphs as well as screenshots documenting the manic behaviors of this account 's scores. This is not singularly occurring to my report. A close friend woke up last month to discover that Equifax had reported her " Deceased '' and that all her accounts had been closed and her credit score was " XXXX ''! There are a plethora of similar complaints about the aforementioned behavior by Equifax on sites such as XXXX where plunges and restorations of over XXXX points had occurred within a day or so from each other. I have been denied credit and have also had interest rates on my credit cards increased as a result of this fraudulent activity and may decide to seek remedies through the Federal Courts if this matter is not investigated thoroughly and resolved satisfactorily. Thank you.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Acceptance Solutions Group, INC (TX)

THIS COMPANY WAS CALLING BACK IN XXXX OF 2017 A PERSON SAY ING THEY GONE SUE ME THEY GONE SERVE ME WITH PAPERS CALL THIS NUMBER TO STOP THEM FROM DOING SO. THEY KNEW THE ADRESS TO MY JOB AS WELL. THEY CALLED MY HR DIRECTOR LEFT THIS HARRISING PHONE CALL. THEY HAVE CALLED ME WITH IN THE PASS TWO WEEKS NOW ITS LIKE A ROBOT THEY CALLED MY AUNT CELL PHONE AS WELL. I TOLD THEM THEY HAVE THE WRONG NUMBER STOP CALLING THEY WILL NOT STOP. PLEASE HELP ME SO THEY CAN STOP HARRISSING ME SHE SAYS HER NAME IS XXXX XXXX PLEASE CALL XXXX REGUARDING THIS MATTER. WHEN THEY CALLED IT POPS UP UNKNOWN. THEY HAVE BEEN CALLIMG ME AT LEAST 3 TIMES OF DAY. 
I TOOK A PICTURE OF MY PHONE BECAUSE I GET VM THREW TEXT SO THAT YOU WILL SEE THIS INFORMATION
Consumer complaint received 2021-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

On XX/XX/2020, I informed Discover that I would not be able to make my student loan payments due to being without an income as the grace period ended. I did complete two payments but was laid off shortly after and informed them right away. 

I was told that I needed to call a number to report my request to defer payments. I replied promptly that I am XXXX and unable to verbally communicate. I was not offered an alternative accommodation to request this. This has continued for months. They have no reported this on my credit report and put me under default.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (AL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is a list of items I'm asking you to verify as accurate : Bridgecrest Credit C Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX Thank you so much for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2022-12-29
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 — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I've contacted CITIZENS BANK NA & they told me I've never missed a payment, yet XXXX and XXXX refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
CITIZENS BANK XXXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has  XXXX  accounts on my credit report that are reporting inaccurately. There is collection with a company that I have never heard that is on my file erroneously. I have an account with  XXXX  that states there is a late but I never was, and they will not show me proof of the account ever being late. It was paid in full never late. I also have a student loan account that is reporting multiple accounts with the same account number and has  XXXX  lates which is inaccurate. I have provided a letter to show exactly was is incorrect and a letter from the student loan company that shows that my account was never late. I have attempted to contact both Transunion and these companies but no one is answering me and are not accurately reporting my credit report.
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

At the end of XXXX XXXX XXXX XXXX began harassing me at my place of work stating they were going to send a process server to my work, giving me the option to stop it, they threatened my co-workers that they must get in touch with me as it was an important legal matter several times. I filed a complaint against them in XXXX of XXXX as they got progressively worse. When I would call them, they wanted information I was not willing to give out over the phone ( DOB, SS # ... ). I did find out it was in regards to an old HSBC account that had been charged off well over 9 years ago. I called HSBC to confirm. The woman I spoke with there urged me to reach out to the Attorney General, who then in turn asked me to file with CFPB, based on their actions. The original complaint I filed was # XXXX and not able to be followed up on. Today,XX/XX/XXXX, XXXX from XXXX XXXX XXXX , contacted my work, asking for the nurse manager by name. He asked information about me, and she was told that they want to serve papers to me and asked if I worked here and asked to confirm the address here. She declined and asked for a call back # and said she did not believe that it was a legitimate call. He assured it it was and said if I want to stop this action I better call and gave a case # to her to give to me. When I called him back he was rude, said I knew exactly what this call was about and when I told him I did not know, he said I was lying. He got loud accused me of not paying my bills and expect to be sued. I asked him what for and he told me the same HSBC account and then said expect to be sued, when I tried to explain the information I had, he got louder told me the company has only been there for 6 months, it was his cousin 's law firm and told me not to call his law firm again and hung up on me. I am concerned as this company is out of California and my SS # & identity were stolen filing taxes with the IRS in California about 4 years ago. Please assist. Not sure where else to go with this. I just want this to stop.
Consumer complaint received 2017-05-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TN)

Navient  contacted everyone with the same last name as me and born relatives that are them to harass them for money when they have  zero co nnection to my loans. My mother in law, sisters, aunts, uncles in other states never allowed them to contact my relatives or gave them any numbers to contact them. This is the Worst company to ever " borrow " money from! Breach of my contract. It makes me feel really uncomfortable to show they have authority to do such thing. I try to reduce My loans and they could not then I would take 30 monthly payments in and messed up my account breach of my contract it makes me feels really uncomfortable! I try to reduce My payments and they could not then I would take 30 monthly payments in and messed up my account even