davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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 obtained my report and noticed inaccuracies on XX/XX/2023 and sent my first dispute letter on XX/XX/2023 and they updated my information on XX/XX/2023. I then submitted my second dispute letter requesting a re-investigation.
Consumer complaint received 2024-04-29
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: ACCESS GROUP INC. (NE)

We as a family have had significant health issues beginning in XXXX XXXXpresent which has greatly impacted our lives. In XXXX, XXXX late payments were reported even though the payment was received at XXXX on XX/XX/XXXX. For the payment to be counted as " on-time '', it needed to be processed by XXXX on XX/XX/XXXX but due to the processing problem it was delayed which made it late. Actual posting was the following day, XX/XX/XXXX which was late. 

I was not aware of this until recently applying for a mortgage. It is having a serious impact on my credit score. I have never been late with a payment until this time and they are almost paid off.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2016-12-24
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kadent Corporation (CA)

CBS J Financial Corp Has been reporting XXXX bill since XX/XX/XXXX on my credit report and this bill was to be paid by XXXX hardship program and I tried to contact CBS J Financial Corporation Regarding this matter and I have not heard from them and also this is a violation of the HIPA A Because my information was forwarded to the collection agency and the collection agency has put it on my credit file for the past 6 years I am requesting this account be deleted from my credit file since the statute of limitation time has passed and instead of removing it XX/XX/XXXX please remove it right now thank you very much
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

I have asked Experian several times to remove dispute comments from a collection account and they are refusing to do so because they say the information is coming from the data provider and they have to remove the comment. The data provider is refusing to remove the comments. When I asked the data provider to do so they laughed at me and asked me what I was trying to buy, and refused to remove the dispute comments even though I told them I was no longer disputing the account. I told Experian I am not disputing this account and to please remove the comment. From my understanding they have an obligation to report correct information and the correct information is that I am not disputing the account. I am asking them to update this account to Have no dispute comment. Also, the date of the first delinquency is completely incorrect and they need to correct that information as well or remove the information completely. The other reporting agency 's had no issue with immediately removing this information. So I am not sure what experians hang up is but they need to get my credit info on this account corrected.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

Account name XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, account name 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 2015-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

15 USC 1681s ( a ) ( 1 ) authorize the Federal Trade Commission to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. Experian is not in compliance with 15 USC 1681i ( 5 ) for the treatment of inaccurate information for XXXX XXXX and XXXX XXXX XXXX. They have have denied reinvestigation of dispute of report number XXXX on XXXX/XXXX/2015.
Consumer complaint received 2024-04-08
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. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft in 2019, a car lease was opened in my name I and have not been able to resolve this matter. I have reached out to the credit agencies as well as the leasing company with little to no help. This has ruined my credit worthiness and reputation. I am in hopes, that this can be resolved amicably. Please see attached documents as it includes my complaint and my identification, I'm requesting that this account be deleted immediately.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have a charge off with XXXX XXXX for {$150.00} and one with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over $ XXXX I was only responsible for $ XXXX of the leased amount. I have reached out many times to ask these two companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.
Consumer complaint received 2023-01-06
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. (VA)

XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.
Consumer complaint received 2023-05-24
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. (CA)

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give anyone written permission to furnish these accounts to my credit profile. I have the list of accounts that I will post here! XXXX XXXX Account # : XXXX, XXXX  XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX. I am attaching identity and proof of address.
Consumer complaint received 2018-10-08
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 have been doing everything I could do to prevent the misuse of my personal information. I even placed a fraud alert on my credit report that was supposed to stop companies from running my credit. The credit bureaus apparently gave me the wrong information and they are not doing anything to protect my information. Someone still has access to my personal information and the companies are not calling me to verify that its me that is trying to obtain goods.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FACTUAL DATA CORP. (FL)

Someone fraudulently used my credit to establish a line of credit. Experiencing multiple offers of insurance, health insurance, and credit card applications unwarranted via email and cellphone due to the latest massive credit breach.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2017, I found a fraudulent inquiry on my XXXX  Credit report. I tried to contact Experian to regarding multiple inquiries that I need to have removed from my credit report. I have contacted them via their website ( which wo n't dispute credit inquries ) and their phone number to no avail. Most times I call the line cuts after the prompt asking me for my SSN. I need Experian to contact me regarding getting my credit report updated.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
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. (MI)

I noticed unauthorized inquiries that I didn't inquire about my credit report that I would like to be removed. 
According to the FCRA these unverified and unauthorized accounts need to be removed accept any account that's connected to my credit account.
Consumer complaint received 2018-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Ms. XXXX filed an identity theft dispute of the fraudulent MasterCard account upon which Fifth Third declared " We have conclusive evidence that you conducted the transaction '' via letter of XX/XX/18. However, they provided no supporting evidence of this conclusion. XXXX submitted a formal dispute, including victim 's police report, on XX/XX/XXXX. The certified/return receipt requested was received by XXXX with an illegible signature as of XX/XX/XXXX. On XX/XX/XXXX, Fifth Third claimed that they did not have the Limited Power of Attorney, provided by XXXX, as was signed for on XX/XX/XXXX. So that same day, Ms. XXXX submitted a file disclosure request as allowed by law. That was again signed by an unknown again on XX/XX/XXXX. Ms. XXXX was then contacted by Fifth Third on XX/XX/XXXX requesting a copy of the Limited Power of Attorney, police report and ID Theft affidavit ( again ). This documentation was faxed to the representative at the provided fax # of XXXX. To date, neither XXXX or Ms. XXXX has received any documentation supporting Fifth Third 's claim of validity or evidence that Ms. XXXX actually applied for, authorized or used the account in dispute. This is a complete failure of XXXX XXXX to abide by Ms. XXXX 's legal rights as provided by FCRA and FDCPA.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion I sent you a dispute form asking you to please investigate credit inquires on my credit file Because but you fail to do so I have asked you to lock my credit file so nobody can get access to my file due to the fact of identity theft you have failed to investigate my request. I Will send you once again my letter of request attached to cfpb site. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-03-02
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I have taken a review of my credit report and notice accounts, address annd phone numbers that werent authorized I havent made any contracts with these companys and I dont recognized these companies. I have filed an identity report and law requires you to remove accounts and addresses with four days. Be advised that this is a serious mater and would like this handled immediately.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed the public records listed on my credit report which were dismissed without prejudice, yet Transunion Smart Move continues to report them as judgments for debts, specifically evictions. I requested an investigation, to which the company exceeded 30 days to respond. And when they did respond beyond the 30 days, they responded and said they verified the information as accurate from " a web site. '' As you will see from the attached. The cases were dismissed without prejudice. However the bureau refuses to adjust this.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

( Account numbers enclosed as all accounts have been closed for several years ) My XXXX/XXXX/XXXX bankruptcy discharge included two separate XXXX mortgages/equity loans. One loan, Acct XXXX for a dwelling on XXXX in XXXX, AZ, was discharged by this bankruptcy. The other loan, Acct XXXX ( possible full acct # XXXX ) ( loan application # XXXX ) was reaffirmed by me and not discharged in the bankruptcy. Payments for this loan were all made in a timely manner until the home was sold on XXXX XXXX, XXXX. At that time the remaining balance was paid in full. 
I made numerous complaints to XXXX and was always told they would research the matter and report back to me. I never heard anything from XXXX. 

I made several disputes to the credit bureaus who always reported back that they had contacted XXXX who erroneously reaffirmed the loan had been discharged by bankruptcy. The latest dispute and reaffirmation was by/through Trans Union on XXXX XXXX, XXXX. 

I would greatly appreciate this issue being resolved. 
Thank you
Consumer complaint received 2024-04-08
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. (VA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate accounts and information was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 M XXXX XXXX XXXX A XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We have filed twice now. We have yet to hear back from Nation Star with a valid response and resolution to their mistake. on XXXX XXXX 2016 they claimed to have a resolution and have yet to produce one. Their mistake is costing both my wife and myself from refinancing our current mortgage. 
We are requesting they fix this nightmare in a timely manner it has been over 60 days now.