davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
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. (NJ)

Because of the Pandemic during the months of XXXX and XX/XX/2020 the car payments were late. I called the Lender and explained that Millions of people were waiting for their unemployment payments due to not working because of pandemic. Lender agreed that I would not be penalized for late payments. All of a sudden I notice my credit score drops 30 points because the lender reported me late. I was able to make my XX/XX/2020 Payment because I received the {$1200.00} stimulus check but I was still waiting on my unemployment. I Filed for that unemployment in XXXX and did not receive my first check until XX/XX/2020 and you will see that on my credit report I made a payment of XXXX and XXXX at one time. The lender did this on purpose they know late payment will drop your score and if they keep your score low they stay in business. Something needs to be done about this type of fraud. I have no problem allowing my cell phone records to be pulled to show proof there were calls to the lender during that time. What other reason would I be calling the lender? I have never called them since getting the loan and since the last call to dispute. Infact I can show my bank statements where I was not charged late fees for that month so then why was I reported late to credit bureau.
Consumer complaint received 2024-03-22
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. (SC)

Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.
Consumer complaint received 2021-01-08
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: U.S. BANCORP (MA)

Hi, I noticed today I have a credit card account on my credit report belonging to Elan Financial Services stating it was opened in 2014 on XX/XX/XXXX. At this date I was 14 years old and can say with confidence I did not sign up for this. My credit report notes payments have always been on time for this report and XXXX says the balance is just short of {$10000.00}. I have not known about this credit and have not used any of it, or payed any of these payments. I am trying to get to the bottom of what is a fraudulent line of credit in my name. Thank you for the help. XXXX
Consumer complaint received 2021-01-08
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: NAVY FEDERAL CREDIT UNION (GA)

I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/lXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-08
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: DISCOVER BANK (GA)

I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Discover Bank XX/XX/XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have two mortgage 's with two different companies, one has been fine while the other ( Citizens One Home Loans ) has continuous issues with billing and payment processing. The most recent incident was frustrating because I received the statement for my XX/XX/XXXX payment, I paid the payment as billed, but in progress the company changed the payment amount for the month of XXXX XXXX payment which was already billed and paid. They received my payment check, cashed it, but never applied it to my loan. Subsequently, after the payment due date I'd received another bill for the XX/XX/XXXX payment due with a different payment amount. The new bill didn't reflect the payment I had already made, so I checked their website. The website reflected the money I sent as received, but not appied to my account. I was being held in a suspense account. I called to inquire and they said that because it wasn't sufficient to cover the newly billed amount they couldn't process the partial payment. 

I called regarding the issue after 2 hours I was advides the company would not apply the payment as of the date they received funds which I feel unfairly allowed them to hold my money and continue to charge me interest on a higher principal amount for a period of time as result. 

I feel it was also confusing that they send new statements for the same due date as previously billed having a different payment amount, I would think that if a change was needed it should have been effective the following month which had not yet been billed or paid. Neither the statement or the website reflected that I owed only the difference from the amount I'd already paid and the new statemented amount. Neither the statement or the website explained why the payment I'd already made was being held in this suspence state. 

I feel their practices are deceptive and unfair to the consumer. My second mortage company sends clear communications and consistent billing, while this company is sending me different statements every over other week without clear communication of why.
Consumer complaint received 2024-03-22
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

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 XXXXXXXX -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights XXXX # XXXX - Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND REALIZE I WAS A VICTIM OF IDENTITY THEFT. THERE WERE A FEW ACCOUNTS THAT WERE NOT OPEN BY ME.
Consumer complaint received 2021-01-08
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: ENCORE CAPITAL GROUP INC. (NJ)

I have recently disputed this account. It was removed and placed back under my Credit. I asked for documentation showing I signed signatures in that name on any documents. No documents or signatures provided signed by me. I am not the account holder nor is it my name. I believe its stolen identity. This is not my account.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-02
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: Experian Information Solutions 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 name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name:XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2020-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

I have called fedloan to use my spouses student loans to lower my payment to XXXX  for the IDR I am currently in. I feel The amount that is given for a repayment plan should be XXXX. I am not sure what they used to recalculate my payment plan. My family is bigger and my from last years and my pay is almost the same. Everything is suppose to be considered in this. I want and explanation on what they used to calculate my repayment plan with the details and calculations. I had this same problem last year I had to call them to lower it to XXXX, but I am not sure why this is not happening now. I dont really like fed loan they are a very difficult company to rationalize with and they had an issue with reading paycheck stubs. This is very upsetting and annoying. I need documentation and supporting details on what is used with the calculations and how they came about the calculations. Also I never applied for deferments or forbearance I just did recertifications for my IDR. But here is what was said to be used to calculate my amount. Document provided. If anything is needed please dont hesitate to let me know.
Consumer complaint received 2023-02-27
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-22
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2020-09-26
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. (NJ)

Transunion, XXXX  and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc. (AZ)

I applied for a Prosper card around XX/XX/2022. Due to a number of relocations and emergencies, I never received the card which was shipped to an old address. In the meantime, the card was lost/stolen and thieves spent approximately {$1100.00} ( my entire credit limit ). I have been on the phone with Prosper on multiple occasions, and they have been having a difficult time marking all of the transactions involved. Meanwhile, I can not seem to have online access to the account due to the holdup. It is also reflecting on my credit report that my card is maxed out.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been sending multiple written requests however, the incorrect items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (WV)

I took out a personal loan with Lendmark Financial Services to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. Lendmark was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from Lendmark until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and Lendmark should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. XXXX XXXX is reporting XXXX due which is an incorrect amount.
Consumer complaint received 2023-05-26
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX