davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( XXXX ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) XXXX, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. XXXX  is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-03-17
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. (GA)

I have reviewed my Consumer Reports and noticed that I have a late payment on anccount that iwas never late for.Consumer Rerting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX? XXXX XXXX... Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You.
Consumer complaint received 2023-02-11
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: LEXISNEXIS (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

These Consumer Reporting Agencies and XXXX XXXX have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my relationshp, and paying higher interest rates for insurance, etc. XXXX XXXX is the ringleader and pushing XXXX profling by fishing for via third party sites and selling consumer information to the Credit Reporting Agencies and other entities, with out consent from the consumer allowing them to verify and not validate inaccurate and disputed information as fact. Along with Equifax they are committing fraud and breaking consumer laws. And with Equifax having one of the largest Identity breaches, im not surprised. I am a victim of that breach. XXXX is following suit stating that the disputed information is verified however, according to the US Bankruptcy Court of Chicago- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. Which also does not furnish information to the CRA 's. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and give me the run around to solve any issues. YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 1. I DO NOT consent to updating, I have disputed and asked to have it validated and even with documentation stating they couldn't not have received the information via the court STILL XXXX, Equifax and XXXX XXXX are REPORTING INACCURATELY, XXXX has already deleted the error and All need to be reporting the same information per the FCRA -** I REQUEST BLOCK/DELETION. ** 2. No record of this bankruptcy is to be added back ever again. 3. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I have already been apart of the Identity theft breach with Equifax and have had to deal with too many issues involving my Credit profile and sensitive information.This is the second time my information has been leaked because of Equifax 's terrible security measures and they won't fix my erroneous errors once I notice incorrect actions and I wasn't even able to access my credit report since 2019!!!! Ridiculous!! Please Promptly delete the Bankruptcy record.
Consumer complaint received 2023-12-03
Product: Credit reporting 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. (NC)

No compliance to my needs for their mistakes to my report and no remorse for my situation and financial hardship compensation agreement offer for letting XXXX XXXX XXXX XXXX be on my report after it was deleted and the embarrassment they caused with my name and respect in the credit world.Even though they deleted the account that supposed to have been deleted and never ever appear nowhere near my file they allowed them access to my files .I don't deserve to be ignored even if a lawsuit has to be filed
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-11
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. (TX)

I contacted XXXX  about an unauthorized hard inquiry made on XX/XX/2022. XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX must contact the reporting credit bureau for removal.
Consumer complaint received 2023-02-11
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. (TX)

I contacted XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX must contact the reporting credit bureau for removal.
Consumer complaint received 2023-03-16
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. (NC)

On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXX XXXX to go balance of {$4000.00}. All three credit reporting agencies ( XXXX, XXXX, and Trans Union ) did not remove this debt. XXXXXXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. XXXX, XXXX, and Trans Union never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.
Consumer complaint received 2020-01-17
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 logged into my XXXX  account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have sent several requests for XXXX and Equifax to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 ) Instruct credit rating agencies to delete trade lines with respect to their accounts. XXXX deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and XXXX refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it again.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020, I was charged 4 times NSF fee ( {$35.00} each time ) for the same transaction. 

The transaction was attempted two times on XX/XX/2020 and two times on XX/XX/2020 and for every attempt, the bank charged {$35.00}. 

Ive been advised that this is ilegal and the bank should have only charged me once for NSF for that transaction. Therefore, NSF total charges were {$140.00} and I should have only been charged {$35.00}. 

I contacted Bank of America and they stated that they couldnt refund the fees.
Consumer complaint received 2020-01-17
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. (TX)

I logged into my XXXX  account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-01-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CA)

I was let go from work on XX/XX/22 which affected my ability to make any payments moving forward due to delays with XXXX XXXX and stress finding a new job. I called Sallie Mae twice in early XXXX before my next due date ( XX/XX/22 ) with my co-signer to try requesting forbearance as my co-signer who is my mother, lost her brother and had to cover funeral and medical costs for him. I explained this to Sallie Mae and asked to speak with a supervisor and they finally said you do qualify for a program. Upon being transferred, I was then informed that I would still need to make payments to bring the account up-to-date in order to enroll in the program. I explained again that I am not working and not receiving ANY income and they refused to help me. I would have to make a payment of {$460.00} in order to move forward. I was able to accrue this amount despite not working and co-signer also facing financial difficulties and they still said they could not fulfill my forbearance request because Im not in school or an intern and that I would still be required to make some form of payment regardless. This also happened last year and during the pandemic where they were unwilling to help with my request to temporarily stop payments due to financial circumstances.
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NC)

Recently, I have tried to resolve this credit issue with Credit Management and XXXX XXXX. The companies have placed a negative remark on my credit file outlining a balance of {$340.00}. I have resolved this issue in the past XXXX CFBP XXXX. I received a notice stating that the agencies do not have this debt but the negative remark was placed on my credit. Credit Management has contacted me by via cell phone from various numbers that when you try and contact them back the number no longer works.