davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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. (AL)

In accordance with The Fair Credit Reporting Act convergent account # XXXX for XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with experian and XXXX and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and Experian never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to global lending. My car is also involved in a class action lawsuit and I showed proof of this to Experian and XXXX but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since Experian said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (OH)

I received a letter from Debt Recovery Solutions attempting to collect a debt. I am unaware of the company that they are working on behalf of. I sent a letter via email and us mail requesting debt validation. I have not received any confirmation or validation of the debt from this company. This company is now reporting this debt on my credit report with out proof that the debt is valid.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I XXXX XXXX XXXX MADE A CALL TO THIS COLLECTION AGENCY REGARDING A DEBT OWED IN THE AMOUNT OF XXXX IHAD SPOKEN WITH A GENTELMENT WHO WAS EXTREAMLY RUDE I EXPLAINED TO HIM THAT THE ADRESS ON THE LETTER WAS WRITENT IN TWO DIFFERENT WAYS.. 

THE REPRESEBTATIVE SAID I DONT CARE, .. HE KEPT STATING ARE YOU GOING TO PAY THIS DEBT YES OR NO I SAID IS THAT HOWXYOU TREAT THE PATIENT THAT OWES THE DEBT, I ASKED FOR VALIDATION OF THE DEBT AND FOR A MANAGER .. HE HUNGED UP ON ME
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (GA)

Notice of INTENT TO SUE! Experian, XXXX XXXX XXXX have an Tradeline that was Furnished on my Consumer File that has Fraudulent and Inaccurate Status Reporting Private Data shared Without Consent. Tradeline { XXXX } Distributed Private information without disclosing the Three Disclosure to Opt out of My Non Public information being shared to an nonaffiliate third party ( Experian, XXXX and XXXX ) Have this information I demand this Tradeline Be Removed Immediately. They have an Experience reporting that the tradeline was Late ( XXXX, XXXX, XXXX and XXXX ) which is Inaccurate and unverifiable Due to tradeline Charge-off status
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (IL)

The item that I am disputing is the following : XXXX XXXX XXXX  XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I requested that Equifax investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX )
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Per the Chase website : " If you have Chase Sapphire Reserve, you also have more flexibility with how you can apply your annual {$300.00} travel credit. With travel restricted by the coronavirus, cardholders can apply gas station and grocery store purchases toward the travel credit through the end of the year '' 3x POINTS ON XXXX  XXXX  immediately after earning your {$300.00} annual travel credit. ** 3x POINTS ON DINING AT XXXX  XXXX  including eligible delivery services, takeout and dining out. ** My experience : I used my {$300.00} annual travel credit towards grocery purchases in late XXXX. I made some travel purchases in XXXX and XXXX, but was given 0 ultimate reward points per dollar instead of the standard XXXX ultimate rewards points spent per dollar. 

When I emailed chase about my the points discrepancy, this the response, they gave me : Hello XXXX, Thank you for contacting Chase. 

XXXX, we appreciate the time you are taking to bring this to our attention and will be happy to review your Chase Sapphire Reserve account ending XXXX. 

You receive a travel statement credit with your Chase Sapphire Reserve ( SM ) credit card. We automatically apply this credit to your account when you use your card to make purchases in the travel category, up to an annual maximum of {$300.00} total. 

This year 's Annual XXXX XXXX will reset on the first statement date after your enrollment date anniversary, which is the date you became a Chase Sapphire Reserve cardholder. Any eligible travel category purchases posted to your account after that date will go toward the next year 's Annual XXXX XXXX. 

For more information about qualifying travel category purchases, please visit chase.com/RewardsCategoryFAQs. 

" Annual '' means the year beginning with your account enrollment date through the first statement date after your account enrollment date anniversary, and the 12 monthly billing cycles after that each year. 

Earning rewards - One point per {$1.00} spent on purchases - Three points for each {$1.00} spent on card purchases in dining categories Your satisfaction is extremely important, and your comments are critical to our efforts for continued improvement. For that reason, we always welcome and appreciate feedback from our customers. Thank you for letting us know that we can do better. 

Stay safe and take care of yourself and loved ones. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 
Please contact us anytime if you need assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
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. (MA)

I have sent certified letters disputing accounts that are reporting inaccurate on my credit report and all I get is the same results from the e-oscar system as verified and accurate. I'm at a point where i will file to sue in the small court against this company due to inaccurate reporting information.
Consumer complaint received 2022-11-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation.
Consumer complaint received 2024-03-19
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. (VA)

I am formally challenging any wrong or undocumented data found in my credit report, counting unconfirmed claims. Beneath the FCRA and the acknowledged STANDARD of metro 2 information field announcing, I challenge the reportability of these unconfirmed charges. Government and state laws require precise and total announcing, denying the consideration of known or should-be-known illegal claims. If it's not too much trouble guarantee the exactness and rightness of all your claims, as ordered by the Metro 2 announcing standard. I compassionate ask you to supply irrefutable physical prove to bolster the presence and reasonable utilization of the account. On the off chance that such prove is missing, I anticipate the expulsion of the account from the report. I authorize you to send me physical documentation of your activities and an overhauled credit report for my records. 


Listed below are the Accounts that are being challenged XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00}
Consumer complaint received 2024-03-19
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. (FL)

accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXX violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

In XXXX of 2019, I applied to consolidate my six loans through the federal government in order to secure a fixed interest rate on a single loan. After submitting my application, I received a notification that FedLoan Servicing would be sending me new loan information and payment details once they processed my application ; however, this information never came. As the months went by, I would receive billing email notifications from FedLoan Servicing detailing that my payment for the month was " {$0.00}. '' I also received an electronic letter from FedLoan servicing that my loans had been paid in full, which was misleading. During this waiting period, I had called FedLoan Servicing on numerous occasions to inquire about my loan consolidation application status and loan/payment details, to which I received the excuse that my new loan information must have gotten lost in the mail and I was assured that they would resend it. Prior to applying to consolidate my loans, I had been paying {$380.00} a month for six months and had managed to pay off all of my interest on my student loans. While waiting for FedLoan Servicing to provide me with my updated loan information, which ended up being six months, I accrued {$810.00} in interest, which I do not feel I should be responsible for.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-06
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 — Was not notified of investigation status or results
Company: AFNI INC. (TX)

THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
Consumer complaint received 2020-10-02
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. They continues to call me at all times during the day including after business hours on past occasion. When i did speak to a representative I was told these are computer generated calls and that is why I has to wait for the call to be transfered to a live person. I had spoken to the representative and informed the representative for Select Portfoloi Servicing Inc to only contact me via mail prior to mailing the letter out to Select portfolio Services Inc. They had continue to harass me with phone calls after I spoke to the representative, then I wrote them a letter which did not stop them from calling.