davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

The reporting agency Experian, XXXX, XXXX continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.
Consumer complaint received 2023-08-06
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. (NJ)

The XXXX XXXXs keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Account XXXX, # XXXX Auto Loan on XX/XX/XXXX reported " 90 days '' for XXXX Payment History - This is incorrect Account Status reported " 90 Days Past Due '' - This is incorrect The creditor sent me an email on XX/XX/XXXX stating " Your account is past due and is about to be reported 90 days late. By making a payment of {$560.00} before XXXX XXXX pst today, the credit reporting for this account will be reduced to 60 days '' ( copy of email attached ) I scheduled a payment on XX/XX/XXXX of {$560.00} for XX/XX/XXXX. ( proof attached ) Reducing credit reporting for this account to 60 days as per the creditor email. 

In addition, I also scheduled a second and third payment on XX/XX/XXXX for XX/XX/XXXX for XXXX and XXXX Totalling XXXX, a full monthly payment FURTHER REDUCING MY CREDIT REPORTING TO 30 DAYS LATE as per creditor email. 

Payment History for XXXX, XXXX must be corrected from 90 days to 30 days Account Status must be changed from 90 days past due to 30 days past due
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-04-03
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)

Regarding EXPERIAN ... It is Experian 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 3 inaccurate accounts on my report/file plus wrong addresses and hard inquires. 

( XXXX ) XXXXXXXX XXXX XXXX #  XXXX ... .... {$3000.00} ( XXXX ) XXXXXXXX  XXXX # XXXX ... ... ... {$4100.00} ( XXXX ) XXXX XXXX # XXXX ... ... .. {$9900.00} In addition, the 2 erroneous addresses [ XXXX XXXX AND XXXX XXXX XXXX plus TWO hard inquires that were not authorized must be removed/deleted [ XXXXXXXX XXXX XXXXXXXX and XXXX ] . 

Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Experian written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.
Consumer complaint received 2023-04-03
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. (NV)

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. 

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 XXXXXXXX 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 2023-03-09
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I attended a XXXX XXXX ( first name was XXXX  XXXX XXXX for first few months, then name changed to XXXX XXXX and then they lost accreditation. The school physically closed just before graduation and they opened another campus ). The main problem is federal and some private loans have been forgiven for students who attended closed XXXX XXXX or defrauded in the financial aid office or both. I fit all the criteria. The federal loans that werent paid were forgiven. The amounts I was told differed between financial aid office and what navient showed! The total cost of tuition was approx XXXX. XX/XX/2006, I allegedly acquired a private loan worth {$20000.00}. There were a few federal loans in the amount of XXXX, XXXX, and XXXX. I was told and led to believe that my loans were federal. The education dept XXXX the last XXXX loans listed above. My complaint is I or my parents have paid the original loan balance and over how is it that the total balance has ballooned to well over {$51000.00}?! I understand how interest works but the fact that the school is and was defunct is not being considered. If I qualified for federal discharge due to school closure and or fraud AND I have paid Navient what was borrowed and then some, why should I be on the line for $ XXXX from a school that doesnt exist. I had a hard time finding employment in the field and was coached to lie. I no longer work in a field using that degree. I could not transfer the credits. It was literally a piece of paper. I feel that Navient should consider my loan repayment as complete. They will not give me any proof of transfer of any promissory notes from sallie Mae either. I am positive some things got lost between the shuffling of the schools and the transfer of my loan from sallie Mae to navient. The numbers do not match. Also, the school I attended is not the school Navient has on record. I never attended XXXX XXXX! I attended XXXX XXXX XXXX This has caused me an unbelievable amount of stress and frustration that these private loan companies can get away with financial abuse. I can not afford XXXX in student loan payments. The phone calls start after day XXXX missed payment I have XXXX federal loan allegedly from XXXX that NAVIENT said did not qualify for forgiveness. Id rather be sued, they wont do it. I WANT a judge to listen to how unfair and unjust the situation is for other XXXX XXXX I want to be done and away from them for food. I will never pay off these loans from a school I never attended, that lost accreditation, that closed in my lifetime.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type Experian refuses to take off this address and it is a mall address not a home address. I would like Experian to have this in accurate address of a mall deleted. I further would like my accurate address on drivers license on file.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

On my XX/XX/22 statement closing date, my balance was {$410.00}. It was due by XX/XX/22. 
I paid it in full XX/XX/22. 

I received my XX/XX/22 statement which clearly shows my previous balance as {$410.00}, and that I paid {$410.00}, yet they charged me interest fees of {$10.00}. 

On XX/XX/22 and XX/XX/22 I tried calling to dispute the charges and after waiting in excess of 4 hours and still unable to talk to a representative, I disconnected the call. 
On XX/XX/22, I reached out through secure message in regards to the issue and received a response XX/XX/22 saying I had a balance and that's why I was charged interest, which is incorrect. 
I responded back to them that was incorrect on XX/XX/22, and have gotten no response. 

After now weeks of trying to get this resolved, my payment is due XX/XX/22 and I want to pay my bill in full again, but not pay for interest I shouldn't be charged! 

Please see attachments showing the statements and response I received. 

This is horrible customer service and has taken significant time trying to get it resolved. I'm not happy with them at all.
Consumer complaint received 2023-02-01
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)

I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late. 
I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I paid for XXXX student loan payment in XXXX. I set up autopay and when I did this, they said it wouldn't apply until XXXX, so I paid early. When I paid, I received confirmation that my next payment was due XXXX. They just took another payment out and overdrafted my account, and there is no way to get in contact with them. They do not answer their customer service line. People state online that it happened to them too, and it can take months to receive the refund. I feel helpless to do anything about this & it's criminal!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (AL)

I took a plea deal for the charge for XXXX XXXX  XXXX XXXX  and my plea deal included of after my completion of XXXX and XXXX XXXX  after that the charge was supposed to be removed from my background record so I don't want my possible future employer to see this and I don't think it's fair to me because I did everything I was supposed to do less than a year after it happened and it was for XXXX XXXXXXXX  in the XXXX  my phone number is XXXX and I should still have my paperwork saying my plea deal on it so please don't send that charge to XXXX please Thank you
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-01
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. (MD)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (NC)

I sent money to my husband who is XXXX  but has an ITIN number via Apple Cash. I have sent him money before with no issues. Today his account was restricted and had to verify his identity. Upon calling Apple Card support they inform me that he needs to upload a US government issued ID. The state of NC does not issue IDs to undocumented immigrants. They are able to obtain identification via the consulate office. The agent stated they are not able to use that ID and needs to be US government issued. When I questioned this she stated its listed on their terms and conditions and it in fact is. It says in order to create an Apple Cash Account and use the Services, you must : ( i ) be 18 years of age or older and a citizen or lawfully residing in one of the 50 states of the United States and the District of Columbia ( collectively, the U.S. ). Which seems unfair and unreasonable because in order for you to open an apple cash account you have to have a bank account to whom you give your identification information to. I feel like this is discriminatory and an inconvenience for undocumented immigrants who use apple products and spend so much money with Apple. In the end the representative was not able to help us and cancelled the transaction.
Consumer complaint received 2023-02-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IA)

In XX/XX/XXXX I put in a borrowers defense to repayment and on the application, it said that if I wanted all my loans I could put them in forbearance. Fast forward to XX/XX/XXXX. I sent in my renewal paperwork to student aid, and they said that my provider aidvantage processed the paperwork. I waited a little while and I called aidvantage and they told me they never received anything from student aid and that they were told in XXXX that I didnt qualify for the forbearance from the borrowers defense application, but I was never contacted! So the following day, a lady called me from aidvantage and told me that she would enroll me in the save plan. I told her I was worried about it cause a lot of times the payments on your student loans go up, and she assured me that wouldnt happen yet today XX/XX/XXXX I login in my payment is {$770.00} and Im not even working due to a XXXX. I also contacted student aid and they emailed me back and said that I did qualify for forbearance, and they would forward it to my servicer again!! Im more than frustrated!