davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

The federal student loan servicer is reporting my account as late to the credit bureaus. The loan servicer incorrectly reported that I was late on XXXX, XXXX and XX/XX/2017. I was not late and paid on time. The incorrect credit reporting is causing negative credit markings, and negatively impacts by ability to obtain credit and loans.
Consumer complaint received 2022-05-21
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. (CA)

I sent a XXXX Letter EQUIFAX ( XXXX XXXX XXXX XXXX XXXX ) disputing the accuracy of the Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX # XXXX. I sent a request for, method of Verification under the Fcra, section XXXX ( a ) ( XXXX ) and ( XXXX ) after 15 day I never recived anything.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything  at all.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank XXXX XXXX XXXX XXXX XXXX I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2023-10-26
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)

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 XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-04-15
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 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 Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, XXXX
Consumer complaint received 2023-10-26
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. (CT)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2022-05-21
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP (CA)

I was robbed twice in my old apartment. 
My computer and id documents were taken. 
Then this account apparently was opened. 

This company began contacting me and I submitted affidavits stating that wasnt my debt. 
I then received notice from court they had personally served me when they never did. 

It says in process server personally served to me and that isnt true. It was served to landlord of old address. 

I have explained to the attorney office that my name was change in 2012 Anything under my old name was changed and if not it is fraud. 
I have reported this several times and they are continuing with lawsuits. Unjustly.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I processed my payment with Citi bank on XX/XX/XXXX, the funds were electronically removed from my personal checking account on XX/XX/XXXX. On XX/XX/XXXX I attempted to use my card, though it was listed as a {$0.00} balance, the available credit was {$2.00}. 

In an attempt to resolve, I contacted Citi. The employees were dismissive and transferred me multiple times, including wrong departments, and long hold times. The ended with a Citi bank employee hanging up on me. 

As a result I filed a complaint here. 

Now, XXXX full business days later Citi is still failing to credit my account with the funds they have had in their possession since XX/XX/XXXX. 

While they have called me twice during my work hours XX/XX/XXXX and XX/XX/XXXX, they did failed to answer the phone during business hours when I returned their call on XX/XX/XXXX at XXXXXXXX XXXX CT, XXXX hour and XXXX minutes prior to the representatives state time out of the office in the voicemail they left me. I took the afternoon off to resolve this and they couldnt be bothered to speak to me when I called. 

Now they appear to be holding my funds hostage, for I can think of no reason in XXXX where a major bank would take XXXX full business days to process a payment they received electronically. Even my credit union sent the funds out Monday morning in response to a payment request processed on a Saturday. 

This bank is the only bank to have ever lowered my approved credit limit with no warning or communication. They are also the only bank to report a negative mark on my credit, a late payment that was the result of their failure to process automatic payments as they promised when I provided them my account and routing. 

I implore you, as the protection agency, please help. 

Attached below is a screen shot showing the credit available as of XX/XX/XXXX is at {$0.00} on the card, as well as proof of a posted ACH debit from my XXXX XXXX XXXX XXXX account. This ACH was processed in CITI BANKs application for my XXXX, so it was Citi that requested the funds from XXXX.
Consumer complaint received 2022-05-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NJ)

The federal loan servicer is incorrectly reporting a lateness on XX/XX/2018. I paid on time, but I was reported as late. This incorrect credit reporting negatively impacts my credit history and my ability to apply for loans and credit.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (MO)

A direct deposit was sent to my account on XX/XX/2023, my bank refuses to deposit it in my account. They said they received it, but wont give me a reason why they wont put it in my account even tho my account is in good standing. I have a trace/tracking number for the deposit as its from the family support pay ( Missouri child support ) and the bank still wont give me the deposit. The deposit of over {$2700.00}!!
Consumer complaint received 2023-01-07
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation (TX)

Refinanced my truck with one Maine financial and they said for the loan to be valid in Texas it needs to be registered in the state so I paid them XXXX XXXX dollars to register the truck and its been over a year now and I still havent received my registration and every time I call about it they blow smoke up my XXXX about some excuse or another
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.
Consumer complaint received 2022-05-21
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. (CA)

Documentation of Recorded Phone Call with Agents at Equifax On XX/XX/2022, I had a recorded conversation with multiple representatives as follows..these are the events that I attest to be true to my knowledge. 
XXXX -- transfer to XXXX XXXX XXXX -- according to XXXX this is the correct department to assist with this XXXX -- XXXX Dispute -- Spoke with XXXX and informed him of multiple complaints filed with the CFPB and identity theft. 
He says that he reviewed all the information, filed a fraud dispute for the companies, the company will remove the accounts says that the accounts are under investigation and takes 30 days. I immediately asked to speak with his supervisor, XXXX placed me on hold... 
XXXX intentionally provided false information stating that there needs to be a FTC report on file. 
and anything that deals with credit reporting, debt collection, credit card or banking deals directly with the CFPB. 
XXXX intentionally disconnected the phone call. I then called Equifax again and spoke with the following representatives XXXX -- says that he can not review the account, and says that he will transfer me to XXXX XXXX XXXX ... XXXX XXXX -- Explained to XXXX the history of what happened with the previous phone call, and my nature of the call now regarding the frivolous information being reported. XXXX informed me that he would get a supervisor, and would not disconnect the phone call, call placed on hold Recited codes from 611 and section 623. Says that he can still get me a supervisor, and gave me the option to transfer to the fraud department, even though he confirmed in the beginning that they handled fraud. 

XXXX -- Spoke with XXXX and explained the situation at hand. XXXX stated that they are able to use the CFPB complaint but kept insisting that FTC identity theft report be filed. I asked XXXX to please transfer me to her supervisor XXXX -- -Spoke with XXXX and informed her of all the inaccuracies under consumer profile XXXX, XXXX XXXX me that she would place me on a brief hold for two minutes, XXXX XXXX back in, and stated that she is going to finish the request to remove all of the information. 
no case number for escalation -- no direct phone number -- will call back to give me a case number..agent id : XXXX, says within one week all of the inaccurate information she will call me back, depending on the case, the items getting removed might take less time. Says that she will remove all the adverse information.