davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

In XXXX of XXXX I called and was given an extension on my student loans thru fed loan servicing. I was impacted by the hurricane in my area of florida. This hurricane hit us on XX/XX/2019 snd fema declared it a Major Disaster on XX/XX/2019. Florida Hurricane Dorian ( DR-4468-FL ). Here is the official website : https : //www.fema.gov/disaster/4468 I was told by phone and have since contact the company by several more calls and then here again, as well as previously in writing. This same call I was also sent a loan discharge application that i returned and was told I would here back from. I never got the status update on this either. Please advise. I can not get them to correct it thru XXXX XXXX  or agency oversite complaints. I saved the recorded phone call but i dont want to make a court issue out of this if it can be corrected. Farthermore since i have been impacted by XXXX and XXXX since. Yet again i ask that fedloan servicing please retroactivate and correct the previous extension granted on my student loan payments from XX/XX/2019 on all 3 of my credit reports. Please also send me a letter daying that the missed payment on XXXX of XXXX was removed as well. Its been an unreasonable amount of time.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-02-07
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. (NC)

The other bureaus are reporting different open dates. How is that possible if this account is being reported accurately? I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. Its been XXXX XXXX, per tracking and no investigation performed nor information requested given. The accounts referenced in the attached have been re-added and re-aged without my knowledge as well as accounts, such as XXXX XXXX, were disputed and I didnt request during dispute.
Consumer complaint received 2022-04-16
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. (AL)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-07-19
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)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2022-11-07
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. (FL)

i recently tried disputing items off of my credit report and haven't got an update about the the items i disputed. instead i got a letter that i will attach stating that i looks like I'm being they won't move forward. it has been more than 30 days now.
Consumer complaint received 2022-12-14
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. (TX)

I have these hard inquiries listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (MI)

I DISPUTED FRAUD INQUIRIES WITH XXXX, EXPERIAN AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-02-07
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. (PA)

The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.
Consumer complaint received 2022-04-16
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. (CA)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXXl XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX  XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting 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. (FL)

I have not observed any updates regarding the removal I had requested from the XXXX, Equifax, and XXXX Credit Bureaus. By now, they should have already removed these inquiries within the prescribed 15-day timeframe. Regrettably, the Equifax Bureau has not removed the single inquiry I had requested to be deleted. In accordance with the Fair Credit Reporting Act ( FCRA ), Credit Bureaus are mandated to eliminate any inquiries or items contained in an identity theft report submitted by the consumer. However, these inquiries continue to persist on my credit report. I kindly request the removal of the following inquiries listed below within 15 days : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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. (PA)

In accordance with the Fair Credit Reporting act 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 without my written instructions
Consumer complaint received 2022-04-16
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. (OH)

There is a balance on my XXXX  credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels XXXX.
Consumer complaint received 2022-03-16
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (DE)

On XXXX XXXX, XXXX, I applied for a payday loan for {$2600.00}. I have been repaying that loan back since XXXX XXXX, XXXX. I have {$200.00} withdrawn from my checking account every 14 days. I can no longer afford to pay this loan. To date, I have paid {$4800.00}. I have paid back my loan and then some. I made 2 attempts to resolve this issue. I made the first attempt on XXXX XXXX, XXXX and the second attempt was made on XXXX XXXX, XXXX. I asked after the withdrawal made from my checking account was made on XXXX XXXX, XXXX, if I could settle this account with a balance of {$4800.00} because I can no longer afford the payments. They apologize and said they need all of their monies.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. XXXX # XXXX. XXXX # XXXX
Consumer complaint received 2023-10-19
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. (GA)

I appreciate the time XXXX made to remove two fraudulent inquiries. However, there were still items that I needed to remove from my credit reports. And Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. So please remove these items listed in complaint. Please see items that the Credit Bureaus needed to remove within 15 days timeframe below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WI)

Experian reporting inaccurate information on my credit file. 
XXXX XXXX XXXX has been paid and closed since XXXX XXXX, XXXX. I have filed multiple disputes on this account and each time I file a dispute they update with more inaccurate dates and information. Experian is reporting that this account is just now paid for on XXXX XXXX, XXXX. This is creating negative marks on my credit file.
Consumer complaint received 2023-03-11
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-03-12
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. (OH)

According to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I'm feeling unsettled due to the presence of inaccuracies in some listed accounts.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

Last Wednesday I was contacted by XXXX XXXX. He called using XXXX, which is the Chase Bank fraud number. It was because of the phone number that I so stupidly followed his instructions. He had me withdraw {$10000.00} from my account and deposit it into a XXXX XXXX ' machine. I have no bit-coin experience and can no even figure out if my money is in 'my account ' or has be moved into something else.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I am a victim of identity theft. Someone stole my personal information and opened up a XXXX checking account and money market account back in XX/XX/XXXX. The following checking and money market account are fraudulent and unauthorized : XXXX Checking Account : XXXXXXXX : XXXX. I have never opened a checking or savings account with XXXX.The accounts do n't belong to me.
Consumer complaint received 2023-06-29
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. (TX)

UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-02-07
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. (CA)

I am XXXX XXXX XXXX of LA XXXX XXXX XXXX XXXX # XXXX. I'm complaint against Experian business credit report that have inaccurate XXXX filing. The Fraudulent XXXX are established on the Experian Business credit report due to Identity Theft. The California Secretary of State granted a XXXX Termination against the Fraudulent XXXX filing established due to Identity Theft. All supporting information attached. Experian Business are violating our fair business credit rights by attempting to post a fraudulent XXXX filing on the LA XXXX XXXX XXXX XXXX # XXXX, Experian XXXX credit report. Supporting documents attached. We're feeling LA XXXX XXXX XXXX are discriminating on LA XXXX XXXX XXXX by continuing to post inaccurate UCC1 information on LA XXXX XXXX XXXX Experian business credit report after all the board of directors sent Experian Business Commercial many complaints to remove inaccurate UCC 1 information.
Consumer complaint received 2022-12-19
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. (PA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX '' and do not have a contract with " XXXX '' they do not provide me with the original application like i asked.
Consumer complaint received 2022-12-19
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. (PA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX '' and do not have a contract with " XXXX '' they do not provide me with the original application like i asked.
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (AZ)

On the XXXX day of XXXX, 2022 I signed a contract with XXXX XXXX to purchase a vehicle. I financed the vehicle with {$2000.00} down and 16 % interest. According to information from 15 U.S. Code Section 1662- Advertising of Down payments and installments " No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified periodic consumer credit amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. '' I wish to cancel that contract because according to 15 U.S. Code Section 1605 - Determination of Finance charge " Charges or premiums for insurance, written in connection with any consumer credit any consumer credit transaction, against loss of or damage to property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended. ''
Consumer complaint received 2022-12-19
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. (TX)

I have a XXXX XXXX account XXXX which was opened XX/XX/XXXX, and currently has a XXXX balance owing. However, Experian is reporting that I had a late payment in XXXX of XXXX. That is not accurate. I have never been late in paying this card. I disputed the inaccurate reporting directly with XXXX and XXXX and both credit reporting agencies have corrected the inaccuracy. However, despite different disputes with Experian, Experian has failed to correct this inaccuracy and continues to erroneously reflect a late payment for the month of XX/XX/XXXX in the payment history. It is clear that Experian and XXXX have failed to conduct a reasonable investigation of my dispute as required under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, and have subsequently failed to correct the inaccuracy in their reporting of my payment history for this trade line. Being that I have twice attempted to indirectly dispute this through the CRA, without resolution, I now have private right of action to bring litigation against Experian and XXXX for falsely reporting this inaccurate information ; and I intend to do just that if it not rectified with the assistance of the CFPB.
Consumer complaint received 2024-03-13
Product: Credit reporting 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)

I reviewed my consumer reports and noticed unauthorized inquiries on my report. I sent letters for proof and did not get a response. I'm trying to get my first house and need the unauthorized transactions removed.