davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (IL)

On XX/XX/2022 I received an email stating that my Chime debit card account email had been changed. I never opened such an account. I was unable to get anyone at Chime to answer the phone and so I emailed them that day stating that the account was fraudulent. I have yet to receive a reply. 

On XX/XX/2022 I received a piece of mail which was forwarded from my former address to my current address. It was a debit card with routing number and account number listed. I again emailed and tried to call the company, whom I was able to get on the line but was told that they only resolve fraud complaints via email and I would be contacted within 24 hrs
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-03-13
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. (NC)

.Please dispute the following items on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (CA)

Last several months, I have sent in complaints because you are not removing this false bankruptcy. You can not report false information about me, especially when you can not provide any documentation to support this false bankrtupcy record.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the reportXXXX XXXX  created the report.Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (OR)

I am on income driven repayment plan, and is set for autopay. During this period I would make excess payment hoping it will be applied to my principal, but instead my provider kept on pushing the due date. Right now I am on paid ahead status according to them. When this came to my attention I tried contacting themseveral times through email requesting them to reallocate my excess payment to my principal with the highest interest instead of pushing my due date. They wo n't do it stating the payment has already been applied even though I do n't see any changes on my principal. I want CFPB help me resolve this issue. I feel I have the right to make the decision where my money is applied. Great lakes is my provider
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

The following accounts are not accurate and are affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ALL " Dept of Ed/XXXX  '' accounts ALL Inquiries need to be deleted!!
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (PA)

The collection agent or Nelnet has reported my student loans 4 separate times per month to credit bureaus ruining my credit score even though I am qualified for a forbearance with a payment due of XXXX per month for 240 months
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion Rental Screening Solutions , Inc. ( TransUnion SmartMove ) as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). TransUnion Rental Screening Solutions , Inc. ( TransUnion SmartMove ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
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 information incorrect
Company: GreenSky, LLC (MD)

I paid off Greensky loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a XXXX balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded Greensky XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
Greensky is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit reporting agencies ( XXXX, XXXX, Equifax ) for not properly responding to my demand for wet ink signature agreements in the investigation for verification of the accounts making claims on my report. 

I have been trying to dispute inaccurate information on my credit report for several weeks now. 

I have contacted the credit reporting agencies multiple times and have sent them demand for wet ink signature agreements requesting that they investigate the accounts making claims on my report. 

However, the credit reporting agencies have not responded to my requests and only updated the information furnished from the same entities that initiated the erroneous claims to extort money from me and further injure my reputations I am frustrated and concerned that the credit reporting agencies are not taking my dispute seriously. 

The inaccurate information on my credit report is having a negative impact on my life. 

I am being denied credit because of the inaccurate information. 

I am also concerned that the credit reporting agencies are not following the laws and violating my rights. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes and to correct inaccurate information and report in accordance to my written instructions. 

The credit reporting agencies are not complying with the FCRA by ignoring my requests and demands. 

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting agencies for their failure to respond to my demands for deletions of the XXXX XXXX XXXX XXXX XXXX  all hard and soft inquires, and records of late payments including 30/60/90 day late payment reporting on the grounds that my signature consent was never garnished in the reporting of any of my information, my rights were never disclosed which wasted even more valuable time, and this very nature of the credit reporting practices being discriminatory, predatory, and defamatory ; which has led to adverse actions preformed against me, wasted time, mental anguish, significant financial hardship, and an unjust monetary benefit at my expense due to their cooperation with other companies to extort me by deceptively violating my consumer credit transaction rights. 

I am also requesting that the Consumer Financial Protection Bureau take action to ensure that the credit reporting agencies comply with the FCRA. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-31
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. (TX)

I have requested on numerous occasions to DELETE XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX from my Credit Report. 
Fraudulent Account still has not been removed XXXX Equifax has taken No Action. I am currently speaking with an FCRA Attorney if this has not been resolved within and appropriate time frame, I am also notifying the Department of Defense regarding the gross neglect of Equifax and how it has impacted my credit. The credit score is affecting my ability to close escrow on my VA Home Loan.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (AL)

XXXX XXXX XXXX  XXXX XXXX has an account being posted on all XXXX of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX  XXXX XXXX has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance chargeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX