davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-22
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. (NC)

Since XXXX of this year, I've been sending update letters to XXXX, Experian, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 



XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX
Consumer complaint received 2019-12-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX. Box XXXX XXXX, TX XXXX Dear Experian, Potentially Negative Item in Experian Credit Report XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent Experian credit report contains Potentially Negative item reported for my XXXX XXXX XXXX XXXX Credit card account. XXXX Refer attachment Experian credit report number XXXX ) I already made a complain to XXXX XXXXXXXX XXXX though CFPB XXXX Complain ID XXXX ) Since XXXX Open and Negative item reported more than 7 years Please remove this Potentially Negative item on my Experian Credit profile. 
Thank you for your consideration, and I hope youll approve my request. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXXXXXX, Potentially Negative Item in Experian Credit Report XXXX XXXX XXXX Secured Credit Number Last four Ending XXXX / Last for SSN XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent Experian credit report contains Potentially Negative item reported for my XXXX XXXX XXXX Secured Credit card account. ( Refer attachment Experian credit report number XXXX ) I want you to know that I understand my financial obligations and Id have an excellent repayment record. Above account paid in full and closed. 

Im planning to apply for a mortgage and its come to my attention that the Negative Item on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the Potentially Negative item on Experian credit file. 

Thank you for your consideration, and I hope youll approve my request. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Dear CFPB, Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (IL)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC SXXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-22
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. (GA)

There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. Equifax and XXXX fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-01-23
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (FL)

The company is Wells Fargo ( " bank '' ). The dates of the transactions are XX/XX/2019. 

I have a credit card, debit card and a checking account with the bank. The credit card provides rewards a 1 % cash rebate. The debit card does not. The credit card automatically takes monthly payment from the checking account. 

In the afternoon of the 25th while I was purchasing an {$1100.00} item ( refrigerator and some installation and disposal services ) from XXXX XXXX on the internet, my credit card was rejected twice. I then purchased using the debit card. That night I spent {$230.00} at a restaurant in XXXX using the debit card. 

I asked the bank in two phone calls and four e-mails to credit both transactions for the 1 % rebate, and the bank refused. 

I could go to small claims court and get the money, but, of course, the amount is too small for the effort. This unfairness in remedy power is why the CFPB exists. 

I would win in small claims court under the facts further explained below. After purchases for XXXX up to the XXXX, the checking account had a balance of around {$30000.00}. I was transacting for the refrigerator using my iPad. If bank wanted to block my account for a security reason, it could have checked with me through calling me or instant messaging me. The bank did not. Instead, the bank first rejected the transaction ( first e-mail received after the rejection ) and then informed me there was a security question ( second e-mail received ). 

Was there a valid security reason? No. The amount should not trigger any issue given the above financial information. That the amount was for XXXX, rather than XXXX should not have bothered the bank because it should know that the largest electronics goods retailer records all its internet transactions as being from XXXX. Moreover, as an internet transaction, the bank ( and all banks ) should have a system to check whether the item is being physically delivered and, if so, where. If the delivery address matches the credit card address, the bank should know the purchase is valid. This should be a requirement as more transactions are done over the internet, and especially if a rewards program is involved. 

( This was the third time that the bank blocked my account needlessly. I suggest that banks should report to the CFPB how many times accounts are blocked and how many times those closings were wrong. Banks with too many wrongful blockings should pay substantial fines to the CFPB. ) So, I was on the internet. With my credit card blocked, I used the debit card of the same bank. What did the bank expect me to do instead? Did the bank expect me to stop my internet transaction to check my e-mail and then call the bank to go through their automated system to inform the bank of its error? Did the retailer likely paying the bank something for the transaction want me to stop transacting?
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

XX/XX/2017 Pennymac sent answer regarding loan mod they approve me for fha hamp also said it was most beneficial to me I was not reviewed for partial claim or only claim or forbearance said for explanation why to see exhibit two which only stated this section doesn't apply no other explanation
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NV)

I am not quite sure if I chose the best option but I believe this is what best fits my inquiry. I am working with a debt settlement company called Freedom Debt Relief and I am really questioning their practices. From my experience thus far, they seem to not attempt to negotiate any settlements once a Debt gets transferred to a Creditor 's Attorney. They just let those accounts sit there until I get sued and the buck gets passed on to a Litigation service that Freedom Debt Relief provides called XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I pay for separately. My problem is not the fact that FDR does not lift a finger to try and Negotiate a Settlement before the Creditors Attorney sues me, but, the fact that FDR still collects a settlement fee ( which is obviously high ) for doing absolutely nothing with that account. I am investing over {$1200.00} a month into this program and that is too much for accounts to just sit there until they ALL sue me and FDR will collect settlement fees for doing nothing. They claim that once accounts go to a Creditor 's Attorney that they make those accounts their top priority but I really do not see that as I already have been sued and XXXX to care of the settlement. And, now there was another account XXXX XXXX XXXX that has been with their Attorney for about 6 months and now they have sued me as well and it has been passed on to XXXX. Some of the email 's that FDR send to me state that they " Are not Attorney 's and Therefore Can not Offer Advice '' so that tells me that they DO NOT try and do anything with those accounts fallen to a third party. I do not remember this being explained to me when I first enrolled with FDR that they still collect settlement fees when they are not even touching those accounts. I also believe that there are certain creditors that do not negotiate with FDR even though FDR claims that they have worked with these creditors. I will be looking into other options when I speak to an Attorney as this is becoming a waste of time and especially money. I work too hard to pay companies to just sit back and collect fees for doing nothing. They have settled a couple of accounts.. one was a Lawsuit that NLLG handled ( FDR collected XXXX settlement fee for doing nothing ) and one small debt, but, this is irrelevant to all of the money I am investing into this program which is over {$11000.00} thus far. I believe this company is deceitful and is not completely honest about what they can do. And, I know that FDR has had problems in the past with consumer complaints that are very similar to mine. 

As far as dates, I started with FDR on or around XXXX of 2018 I believe and as far as other dates, I do know when certain payments were collected but I am filing a complaint because I really believe, like I said, that this company is in a certain very deceptive and/or misleading.
Consumer complaint received 2019-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

Husband 30 years still employed XXXX XXXX XXXX XXXX XXXX. Daughter attends college I XXXX XXXX fill out loan applications. First year PSLF is offered I believe XX/XX/2007 I submit all paperwork for husband who is qualified for daughters loans. Loans are transferred everything is good, first wave of PSLF comes due submit paperwork and we are denied because I XXXX XXXX name is first on the application and his is second..Daughter has also now been a member of the XXXX XXXX XXXX XXXX XXXX for two years now she has been paying for 5 years her school loans in my name she applied for PSLF as well once again my name in first position. She has paid thousands of dollars toward her loan, her loan has remained exactly at the same amount. We have contacted ombudsman never have been contacted back, every contact via telephone has been different, every written correspondence never responded to. I have never been so frustrated in my life, we are not stupid people and have never dealt with such corruption and still not sure why
Consumer complaint received 2019-02-09
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. (IL)

Equifax & XXXX  are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax & XXXX have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...
Consumer complaint received 2023-01-23
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. (NY)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I'm writing on behalf of my father who does not owe anything to anyone. The company named Penn Credit Corp has been harrassing him for months. These are the dates and times this phone number XXXX has called him at his home : XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX If you would please them stop we would appreciate it!
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2019 someone tried to buy a car at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Consumer complaint received 2024-03-20
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX # XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received charges of XXXX {$26.00} XXXX on both XX/XX/2019 XX/XX/2019 on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.