davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2022-06-01
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. (TX)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-06-01
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)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I submitted a PSLF Reconsideration request on XX/XX/XXXX with case number # XXXX. It has been 8 months since any updates of this reconsideration and Mohela is telling me they have not received updates either. I have also been directed multiple times by Mohela to contact XXXX. When I connect with XXXX they tell me they can not see the status of the reconsideration request and can provide no information to me about it. They are telling me that Department of Education handles the reconsideration requests and that written decisions will be sent to me regarding the following payments : I am not receiving credit for payments made on my loans from XX/XX/XXXX - XX/XX/XXXX. My loans were originally placed on an In School Deferment for this time period, but I submitted a School Deferment Waiver form to XXXX XXXX to have this deferment removed from my account. XXXX XXXX approved this request and I have attached these documents to my complaint. During this deferment period I made several payments on my loans and have attached a copy of my payment history from my servicer.
Consumer complaint received 2023-04-08
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)

I'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : 1. ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 3. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX 4. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX 5. ) XXXX XXXX Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX 6. ) XXXX  Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 7. ) XXXX  Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 8. ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX 9. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX XXXX - misreporting on Experian, XXXX, XXXX XXXX XXXX XXXX XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and Experian ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-31
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. (NC)

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I have tried the Experian paid account. I do not want it. Instead of it being cancelled, they keep trying to charge me. I can no longer cancel it as I can not get past the portion of the website for my credit card. It is extremely frustrating. I want to cancel and I can not even get someone on the phone from their automated service. I ask for a representative and it wont let me get someone!!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I reviewed my credit report on XX/XX/2024 and noticed XXXX is reporting outdated address- My Legal Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name ) -other variations are incorrect. 

My current address is XXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX should reflect XXXX I moved into my home ; Equifax shows XXXX ; XXXX city and date -- ( XX/XX/2024 ) XXXX is the only CRA reporting old addresses- ( some over XXXX XXXX XXXX ) -
Consumer complaint received 2024-03-19
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. (NY)

i am a victim of identity theft, i am asking that the company provides me with a wet ink signature to validate these items. if that cant be provided i am asking to have these unauthorized accounts removed immediately. 

XXXX XXXX {$3800.00} date open XX/XX/24
Consumer complaint received 2022-05-31
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. (IL)

I did not authorize these inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (IL)

I did not authorize these inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-03
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: Experian Information Solutions Inc. (NV)

The account was never late. I have reached out to XXXX on numerous occasions to adjust the file as such over the past years. Most recently on XXXX  its reporting XX/XX/2019 as 60 days late which isnt even possible because 60 days havent transpired. This obvious error resulted in me not being approved for credit and potentially losing a job opportunity. They continue to move late payments to alternative inaccurate dates rather than updating the all 3 credit files as never late. Im asking that XXXX update all the 3 credit files as never late and remedy the ongoing issue.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have an HSBC bank credit card ending in XXXX. I got behind in payments in XXXX and worked out an agreement with HSBC to repay my debt in monthly installments and all my payments since then have been on time. I made my last payment of {$100.00} in XX/XX/XXXX and customer service told me that my credit card balance and interest owed was now XXXX and that I owed nothing. Subsequently, I got an email onXX/XX/XXXXfrom HSBC stating that I had missed a payment and HSBC demanded that I make my payment regarding an account number XXXX even though I do not recognize that account number. When I called HSBC customer service they stated that they had recently changed my account number, although they never notified me in writing or otherwise of this fact. I also began to receive phone calls to my number ( XXXX ) XXXX even though I had previously asked HSBC in writing via certified mail that HSBC not call me or harass me. They keep calling and CFPB must make them stop. 

When I call the number that HSBC gave me in its XX/XX/XXXX email claiming that I owe HSBC money to try to pay any remaining balance that I owe, it states that my credit card balance is XXXX and that I owe nothing. Still the calls and letters come asking for payment! I have on ly one credit card with HSBC and that card is no longer valid and was closed in XXXX after I made a credit repayment plan agreement with them. I have honored the agreement, but they have not. 

When I ask to speak to an HSBC supervisor at Customer service they tell me none is available. When I call Customer Relations at ( XXXX ) XXXX, they will not put me thru to anyone. I give up! 

XXXX XXXX
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute through Transunion for a supposed medical debt that I owed on XX/XX/2019. It is now XX/XX/XXXX with no resolution. The credit bureau has 30 days to determine if the disputed information is correct or incorrect. If it isn't resolved within those 30 days, the creditor must delete it. I called Transunion and the representative told me that this department handling my dispute wasn't open and that she couldn't access my file. I would like this removed from my credit report due to the fact that it has been over 30 days with no response. Thank you.
Consumer complaint received 2022-05-31
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)

In accordance with the fair credit Reporting Act XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-31
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. (TX)

In accordance with the fair credit Reporting Act XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-19
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. (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. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The wrong amount is being reported XXXX Account Number : XXXX This is not mine. 
2. This an incorrect account number XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. This an incorrect account number XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

4. This an incorrect account number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 5. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This is a duplicate account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. This is an incorrect account number XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. This is an incorrect account number XXXX Account Number : XXXX Please remove it from my credit report. 
12. This is an incorrect account number XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
13. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
14. This is an incorrect account number XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
15. This is an incorrect account number XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 16. This is an incorrect account number XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that und er 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-05-31
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. (FL)

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX. ) XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX. ) XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Hello. In XXXX of XXXX I received a letter in the mail from XXXX XXXX XXXX. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was Internet, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, xfinity would cancel the account long before. 

I researched XXXX XXXX XXXX and according to comments on XXXX  is an obvious scam, bullying people into paying debts they do not owe. 

Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points. 

I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point. 

On XX/XX/XXXX I received a letter from Convergent outsourcing inc stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX 

I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (CT)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX COLLECTION : XXXX XXXX   ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$320.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX