davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

On XX/XX/2024 ( 7 days ago ), I received a disturbing email from XXXX, the loan servicer stating that I had 30 DAYS to make a payment or request a deferment or forbearance before the loan would be accelerated to a debt collection agency. I filed a deferment in a very timely manner and prior to their deadline. I should have until about XX/XX/XXXX ( since according to their email on XX/XX/XXXX I had 30 days ). 

I received a denial because I don't qualify for an Economic Hardship Deferment. 
I earn XXXX XXXX  of the XXXX XXXX XXXX and am currently on XXXX Assistance. 

According to a chat with XXXX on XX/XX/2024 at approximately XXXX EST, I was advised that " these '' loans do not qualify. The biggest issue is that, XXXX disregarded their promise to me that I had 30 days to handle these loans as they have already sent the loans to collection. 

In addition, these loans shouldn't even exist as I was enrolled in college under false pretenses and lies. The college of attendance, XXXX University, lied and violated their contract to me about the cost of schooling. In respect to that, XXXX XXXX loans were forgiven under the XXXX XXXX XXXX XXXX XXXX Lawsuit. 

I was forced to withdraw from college with XXXX CLASS left to graduate because the college overcharged me by 1000 % and I was unable to pay for their typo. The cost of these loans should be covered by XXXX University for breaching their contract. 

The contract stated I would have to pay {$50.00} per month to the school due to my current financial situation, it was significantly lowered from the normal. I forgot about these payments. After 10 months of schooling, I was approached by the XXXX XXXX  office that I had to pay {$5000.00} or withdraw ( and with a condescending tone as I remember the conversation ). If the contract was not breached, I should have only had to pay {$500.00}, which I could have done. Due to the impossibility of obtaining {$5000.00}, they forced me to withdraw with XXXX XXXX left to graduate. This has caused a huge downward spiral for the rest of my life, to include myself and my kids becoming homeless due to owing student loans and not having a college degree.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NY)

I am submititngt his CFPB complaint to dispute the accuracy of my credit report the Credit Bureaus present. After reviewing my report, I have identified several erroneous and misleading accounts and personal indormation that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that the Credit Bureaus investigate these items and make the necessary updates to ensure that my credit report is accurate. The following items are erroneous and should be investigated and corrected accordingly : These Inaccurate personal information must be investigated and corrected or removed ; Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX AV XXXX, NY XXXX XXXX As I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance : {$9100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}. I would appreciate it if the Credit Reporting Agencies could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; NEW XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$120.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
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. (CT)

I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
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. (TX)

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 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

Unauthorized transactions happened on my account multiple times from XXXX. I called chime and submitted multiple claims. They approved the first one and denied the rest. When I asked for documentation on their denial reason they sent me a list of transactions that I had disputed. They provided provisional credit for one claim but they took it back now my account is negative {$500.00}. I submitted a police report and the logs of me talking to XXXX trying to get my money back.
Consumer complaint received 2023-06-03
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. (WA)

I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have summitted several disputes to all 3 major credit reporting bureaus ( XXXXXXXX/Equifax/XXXX ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date XXXX and XXXX report a high balance of {$17000.00}. Equifax is reporting a high balance of {$16000.00}. XXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX Equifax is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX and Equifax are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! XXXX and XXXX are reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXXXXXX XXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while Equifax reports them as 30 and 60 days late? which is it? did I pay or not? XXXX report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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

I requested that XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


However, the response I received back was that everything was complete and accurate. How is that possible if the open date, date of last activity and several other contributing factors are incorrect. According to 15 USC 1681i ( 5 ) the credit bureaus are to modify accounts that are not reporting correctly. 

15 USC 1681 section 602A. States I have a right to privacy. 

15 USC 1681 section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 

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

15 USC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect. 

Not compliant with Metro 2 credit reporting.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (IL)

On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my information.
Consumer complaint received 2023-08-14
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/Equifax/TransUnion ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date TransUnion and XXXX report a high balance of {$17000.00}. XXXX is reporting a high balance of {$16000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXX. TransUnion and XXXX are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while XXXX reports them as 30 and 60 days late? which is it? did I pay or not? TransUnion report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (MI)

In 2021 I co-signed an apartment lease for my son who is in college. When he moved out the complex tried to charge us for items that fall under normal wear and tear thus not allowed to charge us. They sent to collections - ProCollect and I didn't pay because I felt I didn't owe the money. ProCollect a collections on my credit report and my son 's credit report. Once it hit my credit, I called ProCollect and told them I would pay the balance in full if they delete the collections from mine and my son 's credit report. They agreed and I paid in full but now they will not delete the account, they just show it as a XXXX balance. This has dropped my XXXX XXXX XXXX points and is adversely affecting my abitlity to obtain a mortgage for a property I want to buy. When I contact ProCollect now they say they don't do deletions and then they hang up on me.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (SC)

This is my eight 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 items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I did not authorize these inquiries. I have included the Identity theft report as well. 

XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I XXXX XXXX, asking for verification and validation on this collection account. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/. The original creditor for this account is listed as XXXX XXXX XXXX. 


Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt. 


I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation.

2. Documentation proving that you are legally authorized to collect this debt. 
3. Verification of the original creditor, XXXX XXXX XXXX. 


I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution. 


In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe. 


Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report. 
Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX