davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (TX)

Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. XXXX XXXX collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XX/XX/XXXX. This account should have been removed in XXXX, yet it is still reporting. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that Experian and XXXX follow suit.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-07
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)

credit reporting agency reported two late payment accounts with XXXX and XXXX on their system. A dispute was submitted by phone and through the online site on XXXX XXXX with validation from the companies of the error.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-07
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second 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. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CXXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a consumer my rights has been violated multiple times by these credit bureaus and corporations. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Unauthorized Credit Inquiries in Violation of FCRA To Whom It May Concern : My name is XXXX XXXX XXXX. After reviewing my Experian credit report, I found multiple unauthorized inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not initiate or authorize these credit inquiries in any way. This is a violation of my consumer privacy rights under the FCRA Section 604 ( a ) and Section 604 ( f ). The companies did not have my consent to pull my credit report. 

Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), these entities did not have permissible purpose to make these unauthorized inquiries. I request the CFPB immediately open an investigation and require Experian to delete the false inquiries. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX  XXXXBalance Owed : {$2100.00}
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a credit card over 9 months any my credit score is over XXXX an I have over XXXX in the account and am trying to borrow XXXX an cant get it but I think its because XXXX is on my bank profile but I got married 1 year now
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish the account account without my written instructions. Under 15 USC 1666-B a creditor may not treat the payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MN)

there are a total of XXXX soft inquiries and XXXX ( XXXX ) negative accounts that I the federally protected consumer did not consent to in writting XXXX for XXXX, XXXX for XXXX and another XXXX in addition to addresses name and information presented on my report that I didn't consent in writing to " No Consent is Identity theft
Consumer complaint received 2023-09-07
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: Bread Financial Holdings, Inc. (CA)

My credit report is showing late payments to COMENITYBANK/VICTORIA XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITY BANK 's customer service representative.
Consumer complaint received 2023-09-07
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. (GA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-04-25
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: SANTANDER HOLDINGS USA, INC. (TX)

I tried my best to contact these companies through the credit bureaus and I haven't gotten any response. It feels like I'm being ignored. It's been over 90 days and I've heard nothing. I don't know what else I'm suppose to do. There are a bunch of inaccurate accounts reporting to my profile.
Consumer complaint received 2023-09-21
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: Dovenmuehle Mortgage, Inc. (FL)

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
DOVENMUEHLE MORTGAGE XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2023-09-07
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. (GA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

reetings. 
For several months now, I have disputed several accounts that should not be on my consumer report. Some were deleted due to furnishers removing them because they were breaking the law, while Equifax- kept sending negative responses, despite my repeated attempts. Every response is archived in my CFPB portal and I also have several physical mail responses documented. 
I now seek remedy for all the damages incurred with credit denials and insanely high interest rates in credit cards. 
Attached below is - An affidavit of truth, pre-arbitration letter, arbitration letter and invoice for the bill of particulars. Tragic it had to come to this.
Consumer complaint received 2020-03-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NV)

In XX/XX/XXXX-XX/XX/XXXX I was forced into a forbearance, I made less then {$10000.00} in the year for both years. I was told this will just freeze my account solid till I was able to get back on my feet financially. In XX/XX/XXXX I had to reapply, where I learn that I accumulated over {$10000.00} on the loan as an increase of not making payments. My statements would come in a zero. And no one, no one ever explained that this will accumulate interest. 
I was told that it was an account freezer, that my account would stay solid at that price till I was able to get back financially. In XX/XX/XXXX-XX/XX/XXXX I sent in my taxes to prove that I am below poverty still making {$10000.00} in a year. I was told I would have to do IDR, and as I get my emails to know my payment amount, I could never sign in to navient. I had been locked out of my account on how many attempts to add my social and my birthday with the website stating I never had an account. Finally I call to talk to a representative, all for him to tell me my account had expired in XX/XX/XXXX. How can a federal government payment program expired your account, but still demanding you to make repayments. Navient lied to me over the last 5 years, as I tried to show valid income information to receive lower payments, they made me go into deferment and forbearance instead of offering actual payment options. Because of this my loan increase went from {$10000.00} loan to a now {$40000.00} due to interest, when I provided my low poverty income wages for years.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I am a XXXX and XXXX  in XXXX  California, I have a family of XXXX, I love this country. There has been an alarming issue arising with Citibank and XXXX XXXX XXXX over the recent months, according to congressional reports there appears to be a policy adopted by these corporate giants to restrict use of their financial services in the purchase of firearms. This discriminatory practice is alarming to me as a citizen of this counrtry and as a gun owner. To think that these banks, which were bailed out with our tax dollars, now seek to perform some sort of social engineering by infringing on our rights is disgusting. I know there are actions in Congress aimed at this phenomenon, I would just like to officially register my complaint that this audacious attempt by corporate giants to control citizens is outrageous.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I identified unauthorized charges on my Costco XXXX by XXXX XXXXXXXX XXXX of XXXX XXXX ( XXXX ) number from credit card statement. XX/XX/XXXX there were XXXX charges of {$35.00}, and again XXXX {$35.00} charges on XX/XX/XXXX. I only had one active account at the time and the authorized amount was {$27.00} on my NFCU card. I cancelled that two and am sure XXXX will assist with those charges. Citi is the opposites. After submitting XXXX separate documents in XXXX for the four {$35.00} amounts, I was issued a conditional credit. One was reversed, and the other three stuck. I called Citi after the chargebacks and was assured they would reopen the case. Prior to contacted Citi, I visited the merchant four times, provided the statement and charges and was first told the manager would call, and a week later, no call. I made separate visits, asked to close all accounts as two years prior I had two vehicles, but in separate card. Today I called and found the three reopened reviews were closed on XXXX XXXX. I had requested that the vendor be blocked verbally in XXXX with the agent for CITI, and I had two more charges from the same vendor for {$35.00} each on XX/XX/XXXX. The letter said I didnt have enough proof, and to go and work it out with the vendor. I asked the supervisory agent for help today, and she repeated the letter info. The business is not listed under XXXX  and the number on my Citi bank is fraudulent. I asked the supervisor today on XXXX XXXX to call the number as proof its a fraudulent number on their statement and she point blank told me she wasnt going to do that. Ill love Costco, spend thousands with their visa, even used it for a down payment as I purchased through Costco car buying program. I will be sending to our friends at Costco corporate that Citi is not representing Costcos image properly. Ive only had the card a couple of years, and cant believe vendors properly.