davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (MD)

This is my 7th 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 fraud or extortion. 
XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX Balance : {$11.00}
Consumer complaint received 2022-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

My dad took out a loan on property that his house and my house are on and he quit making payments and I don't want to lose my house, he walked away from his house, I still reside in my house, The mortgage company won't talk to me because my name is not on the note. I'm trying to figure out what I can do to keep my home, I was going to refinance it all in my spouse and I name but I can't because it is in foreclosure, but if they are not going to talk to me about it how is it possible for me to keep my home. The mortgage company is RushmoreXXXX XXXX
Consumer complaint received 2023-03-13
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX 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
Consumer complaint received 2023-03-13
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 )
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Kentucky Higher Education Assistance Authority (FL)

I applied in XXXX for a XXXX discharge from XXXX ; I was approved in XX/XX/XXXX. Kentucky Higher Education Assistance Authority, received my loans from XXXX, who in turn received them from XXXX XXXX. XXXX has sent Kentucky Higher Education Assistance Authority, two letters requesting that they update the XXXX XXXX XXXX XXXX, as to the status and amounts of my loan ; they refused to send the information. I have contacted Kentucky for the last two weeks letting them know my information has changed and asking them to update the database. I found the attached letter, showing Kentucky contacted me in XX/XX/XXXX and XX/XX/XXXX, about the same loans in question. But when I contacted them today ( XX/XX/XXXX ) and yesterday, I was told they no longer have my loans, and the loans were transferred to XXXX XXXX XXXX in XX/XX/XXXX. How could they be transferred in XX/XX/XXXX, when they contacted me about the defaulted loans in XX/XX/XXXX?  Kentucky did change my information, as the letter shows but they are refusing to update the database under my old social security number ( XXXX ) and my new one ( XXXX ). I sent them the court papers, divorce papers, new driver 's license, and social security card, but they refuse to update the database under both socials ; they said legal department and supervisor told them they did not have to, since my loan has not been with them since XX/XX/XXXX. But that is not true, since the letter proves they contacted me in XX/XX/XXXX about the default loans. Kentucky is the last company, that XXXX need to get the loans from, so they can discharge my loans ; Kentucky is preventing my loans from being discharged. And if my loans are not discharged, they will come back on me and I am a XXXX Veteran who can not pay these loans. Kentucky is deliberately not updating the NSLD system to keep my loans from being discharged! They are being very difficult!! Kentucky 's representative told me the loans were consolidated in XX/XX/XXXX by XXXX XXXX XXXX, and I contacted them and they are trying to find the loans. But they have nothing to do with Kentucky updating the database to show who the loans were transferred to ; they need to show the status of the loans with them - that they no longer have them and show what happened to them. But they are refusing!
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (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. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX, XXXX XXXX XXXX account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Consumer complaint received 2017-05-16
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. (NC)

XXXX   XXXX ,   XXXX    Bureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX   XXXX   DC  XXXX   XXXX  : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It  May  Concern : On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law. Equifax has not followed the law because they have not deleted the information per their own investigation.     I also understand that may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
Consumer complaint received 2023-03-13
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: CBC Companies, Inc. (TX)

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The account information listed XXXX # XXXX is inaccurate, and I dispute the validity.
Consumer complaint received 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, has violated my rights 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 with my written instructions
Consumer complaint received 2023-03-13
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Payments in the amount of {$2900.00} from XXXX - XX/XX/2022 are not reflecting on my credit reports from XXXX. I call in regularly to get this resolved and it has not been resolved.
Consumer complaint received 2023-03-13
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. (NV)

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. 
XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
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 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes
Consumer complaint received 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, has violated my rights 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 with my written instructions
Consumer complaint received 2023-03-13
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. (VA)

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 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have recently submitted a complaint to have the card re-evaluated to be unfrozen, but for whatever reason, capital one is refusing to assist with this situation. The previous executive office rep did not do anything to address the problem. All she simply did was reiterate what customer service keeps telling me, instead of trying to assist me with a resolution or work towards a resolution. She was completely incompetent and unhelpful and did not try to assist. I want someone who is willing to work on a solution to get this unrestricted as I have consistently been making payments twice a month, the account is current and is far below the limit.
Consumer complaint received 2023-03-13
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. (NY)

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 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 2023-03-13
Product: Credit card or prepaid 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. (DE)

I was charged for two throws back in XX/XX/2022, both items were cancelled. My credit card has been credited for the items, but the credits were not posted timely resulting in late fees of {$74.00} and delinquent reporting. I need Macys AMEX to credit the fees and remove the 90 day delinquency from my credit file.
Consumer complaint received 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  account # XXXX, has violated my rights 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 with my written instructions
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX  days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX  days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Transunion : Fair Collections and Out, XXXX XXXX bankruptcy XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX XXXX, Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

I have been trying to contact both Equifax and XXXX to place a freeze on my credit report for several days. I was one of the persons affected by the Equifax breach. 

For Equifax ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For XXXX ... I tried to pay for the freeze on my account to avoid signing up for their monthly service ( {$4.00} to start, {$24.00} per month thereafter ), however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at XXXX. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with XXXX? 

Much praise to XXXX. Their process was free and flawless. For Equifax and XXXX, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  XXXX