davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
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)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM IF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TN)

Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (TN)

Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

A {$41.00} late fee was assessed to my Citi Bank credit card account for missing my payment deadline by XXXX day. I called and requested for it to be removed, but they declined to remove the late fee. The fee was assessed after the changes limiting credit card fees to {$8.00} were enacted.
Consumer complaint received 2023-01-05
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. (CA)

XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.
Consumer complaint received 2021-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (WA)

We filed a previous complaint with Chase Bank. Our issue was not resolved to our satisfaction. In fact, they escalated it to their " executive office ''. Assuming our complaint was responsible for the horrible, rude service we received when they contacted us. We kept asking to speak with a supervisor and were constantly told they were the executive office and it could not be escalated further. When they admitted they had supervisors, we commented we had yet to speak to an XXXX XXXX XXXX XXXX XXXXess the person whose signature was on our letters, which is XXXX XXXX. The last person we spoke with was XXXX XXXX never a full name ), who blatantly told my husband he could not speak to his supervisor. This speaks to a horrible culture where staff are terrified of their management and taught to treat their 30 year customers rudely and with disdain. This entire issue began in XX/XX/2020 and continues today. If you go online, the first screen that pops up is to go paperless. You must be very careful not to ignore this screen because it has paperless as a default, NOT your default preferences. They should not be able to change your preferences, but they do so stealthily. They are trying to trick you into this, then if you miss something, they XXXX your credit. Further, when you go into different account screens just wanting to access your documents, you have to go through this entire charade again. One mistake and your default preferences are altered to their liking. This is absurd, and an abuse of their corporate responsibility to their customers who are the only reason they exist.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX and XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  XXXX  and XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX and XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2022-10-31
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. (MI)

The accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX  COMPLAINT, & FTC REPORT XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 I request to have the above accounts and inquiries removed from my credit report.
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

THE COMPANY FAILED TO ADDRESS THE ISSUE AS STATED IN MY COMPLAINT. 

THIS IS THE THE FULL TEXT OF MY COMPLAINT : I have had a credit score of over 815 for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every two weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. Transition decreased my score by XXXX points and when I talked with a Customer service rep. he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX and XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX and XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX and XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2024-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (KY)

Around XXXX my ex husband and I opened a Wells Fargo XXXX XXXX credit card. We then closed the account. Last week I was checking my credit report and I saw that this credit card company keeps reporting this card and it is affecting my credit score negatively. This account was closed around XXXX. I do not understand why they refuse to remove it off my credit report as a bad mark. I tried opening a dispute through XXXX but XXXX XXXX refused to change anything on the credit report.
Consumer complaint received 2022-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

I made a payment to XXXX on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to EdFinancial. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to XXXX. I requested the refund from XXXX on XX/XX/XXXX as I was told by my current servicer ( EdfFinancial ) that since that payment was made prior to my loans being transferred that XXXX would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and XXXX eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling EdFinancial who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into EdFinancial. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where XXXX then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to EdFinancial and that they have the refund request I previously made. I spoke with EdFinancial on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming XXXX was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now EdFinancial refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from XXXX  which I was told would transfer.
Consumer complaint received 2023-06-30
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. (AR)

My name is XXXX XXXX XXXX, who is submitting the CFPB Complaint myself for you to inform you about the wrongdoing of the 3 Credit Bureaus. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. They are reporting inaccurate information in my credit report which affects my credit scores and financial standing. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items needs to be deleted that are reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2022-10-31
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. (WI)

XX/XX/XXXX XXXX Asked to remove illegal late payments was declined .. 15 usc1681b permissible purpose of a consumer report the law clearly states in general subject to to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other the number 2 in accordance with the written instruction of the consumer to whom it relates. Did I give you permission to furnish this on my credit report furthermore the fair credit reporting usc1681-2A1 exclusions from a consumer does not include subject to subsection 1681 S3 of this title report containing information solely as a transaction or experiences between the consumer and the person making the report. Delete the XXXX late payment from my credit report this agency is in violation of 15usc1681 failure to respond I can take legal action in violation of the law under civil liability 15usc1681 N 15usc 1666b timing of payments - a creditor may not treat a payment on a credit card plan as late for any purposes unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required 15usc1681b Reasonable procedures- It is the purpose of this sub chapter to require the consumer report agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit personal insurance and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality accuracy relevancy and proper utilization of such information in accordance with the requirements of this subchapter 4- There is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy.
Consumer complaint received 2023-02-21
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. (AR)

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 ( XX/XX/2020 ) Account # : XXXX XXXX XXXX ( XX/XX/2020 ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 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 2023-06-30
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. (TX)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.