davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX  account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Disputed inaccurate account info with all three credit agency 's and they did not comply with disputes and did not remove accounts from credit report during disputes for inaccuracy 's. They did not provide appropriate documents for the dispute results or provide original documents with original debtor reports verifying my info or that I authorized my info to be published or sold to third parties or was responsible for said debts. They have violated my rights under the fair credit act to accurately display my info. 

The accounts in question are : Account name XXXX Account number XXXX Account name XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, STATE OF MI OFFICE CHI XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I have written x3 ( as of now ) Regarding this issue with Chase bank again and the {$5500.00} that I paid in cash electronically to Chase VISA # XXXX. Chase Bank reversed my {$5500.00} electronic payment made, stop payment!! Chase Bank, should they decide to just steal this {$5500.00} from me ( as it appears now ), this will force me into bankruptcy and Chase Visa will get nothing, as well as the rest of my well deserving creditor ( s )!!!! 
I heard Chase Bank was dishonest, immoral, & horrible!! I had NO IDEA just HOW BAD they really ARE!!!
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (TN)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: ALLY FINANCIAL INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). 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, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and correct : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2020-06-17
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

My student loans are currently with NelNet, and currently in deferment until XX/XX/XXXX. It wasn't until I recently pulled my credit report that I discovered over the last few years they have reported me late to the CRA. I contacted NelNet and inquired about the late payment reporting since I was in deferment. They requested documentation that I had in fact requested the deferment. I supplied the request for XXXX, XXXX and XXXX. 

The external customer service department [ XXXX ] informed me that they would not adjust XXXX because it was to late. She also indicated XXXX would require management approval. In regards to XXXX, she called me on XX/XX/XXXX, and told me the request was denied. The reasoning was my email requesting the deferment did not specifically say " YES '', and therefore would not be adjusted. 

I think this is unfair and inaccurately reported and has significantly impacted my credit score to the point I was unable to purchase a home.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TN)

XXXX XXXX XXXX XXXX : Have been going back and forth with company for months. Stopped a few months because I gave up. Recently have tried again the beginning of this month. XXXX XXXX XXXX XXXX is on my credit report twice with the same account number, but have different amounts, dates opened dont match and balance do not match which is against the FCRA XXXX Please see and compare both screenshots with the same account number listed twice but different information ( SEE SCREENSHOT ATTACHED ) AD ASTRA RECOVERY : Account status is listed as OPEN on a supposed-to-be collection account under XXXX and XXXX, but closed XXXX XXXX. Also reporting a slightly different balance. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX  : XXXX listing as OPEN on a collection account, listing closed on XXXX. Accounting not reporting 100 % accurate across both reporting bureaus. This is against the FCRA. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX : THIS COMPANY IS NOT REPORTING THE SAME INFO ACROSS EACH REPORTING CREDIT BUREAU AND LISTING ACCOUNT OPEN WHEN IN COLLECTIONS AND ACCOUNT NUMBER DOES NOT MATCH UNDER XXXX. THIS IS NOT FCRA COMPLIANT ( SEE SCREENSHOT ATTACHED )
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Prior to my loans, being with Mohela, they were with XXXX XXXX. I was informed by XXXX XXXX by several representatives, that once my loans were transferred to MOHELA I could request and in school deferment waiver, as well as a request to waive my six-month grace period to have my loans placed back in in school status. I was in the process of completing my XXXX XXXX and was very concerned that if I continued to go to school and start my XXXX XXXX, my lungs were not placed in in school status and therefore were not qualify under the special waiver period that President Biden put forth. I was assured that I would be fine, and as soon as I transfer my lunch to MOHELA, they would be able to accommodate us. After being with Mohela for several months, I finally spoke to a supervisor who advised me that this information that I was provided was not accurate and I could not place my loans in in school status, nor can I wave my six-month grace period. Because I was XXXX XXXX XXXX If I was if I was provided the correct information, I wouldve stopped going to school after I completed my XXXX XXXX in XX/XX/2022 to allow my payments to go into in payment status so that way these lines could apply to my PSLF. I have written to the White House about this several times, and they forward my concern over to Mohela. MOHELA then responds generically and does not resolve my concern. They are not able to review my calls from XXXX XXXX where I was provided inaccurate information. 

My biggest concern now with mohela is that theyve advised me three times now since the beginning of 2022 that I could request to be placed in an in-school deferment I have requested it three times however still to this day loan sequence one through 10 is not reflecting appropriately. As a result, even though I work for a XXXX XXXX, the past two months is not being counted towards loan sequence one through 10 because of this. I called in again where a supervisor stated that he did not see the request and asked me to send it in for a 4th time! I have mailed it 3 times as well as requested it over the phone. This doesnt make any sense. 

I am exhausted and every time I call Mohela I usually get a person who provides an accurate information as well and Ive wasted two hours of my time and feel defeated. I need help. I know that I can not be the only person going through this and I am tired.
Consumer complaint received 2023-03-20
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)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXX XXXXXXXX ( Collections ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-06-04
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. (OK)

Re : Disputing error [ s ] /Negative information on Credit Report This letter is a formal complaint that you are reporting data that I have collected to be inaccurate and incomplete credit information. I am distressed that you have included the harmful information below in my credit profile and that you have failed to maintain proper consumer law procedures in company operations to guarantee maximum accuracy in the credit reports you have published. 
Credit reporting laws including : C.F.P. B 1022.42 ( a ) Reasonable policies and procedures concerning the accuracy and integrity of furnished information. 
This clearly states ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Consumer complaint received 2023-03-20
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. (MN)

Experian ; I am filing a formal complaint/dispute after review of my credit report. You are reporting incomplete credit reporting on XXXX XXXX account number XXXX. The payment history is missing. This is FCRA violation, all information must be 100 % accurate and verifiable. Please remove this violation immediately and please provide me a updated credit report showing the deletion. 

Thank You, XXXX XXXX
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (IN)

XXXX XXXX CHILD SUPP continues to reappear on my account. I have never been late or been in collections on my child support. In addition, this account is over 7 years old. Per the FCRA, I demand that this account be deleted from my credit report or updated to " Never Late '' or I will be pursuing litigation for {$1000.00} per incorrect item.