davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (NV)

I have contacted all 3 bureaus, letting them know i have never been late with XXXX i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXXXXXX XXXX accnt # XXXX date opened : XX/XX/2016
Consumer complaint received 2022-03-18
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)

In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX XXXX  XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WV)

Equifax can not explain to me why my credit score has decreased. I use XXXX XXXX and my Equifax score is significantly lower than XXXX ( XXXX points lower ) and XXXX ( XXXX points lower ). On XX/XX/22 Equifax reported a XXXX point decrease from XX/XX/22 and per the XXXX XXXX 's credit report for Equifax the XXXX changes on my report were that XXXX of my accounts had a balance decrease. I spoke with an agent at CFPB and they informed that I should contact Equifax directly prior to filing a complaint with your agency. I got a free copy of my credit report from Equifax which has the exact same score as XXXX XXXX. I spoke with an Equifax agent and asked for justification of the decrease. He attempted to give me a lesson on credit. I told him I had a pretty good understanding of how credit works I just needed to know what changed in my credit to cause a decrease of XXXX points in my credit score. I told him that I have not used any of my credit cards in the last month to increase my balances, no late or missed payments, no new credits applications so to my understanding of how credit works my score at the very least could have only stayed the same but by the other 2 agencies my score had actually increased for the reason that balances were paid down. He attempted to tell me the same thing. I asked for the call to be escalated to a supervisor who attempted to tell me the same thing. I was told they did not know what my score was on XX/XX/22 and could not tell me why it decreased XXXX points. I would think if a company has so much power over something so important and critical to consumers today they must be held liable to justify the reasons for their actions.
Consumer complaint received 2022-03-18
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. (IL)

I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$110.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (FL)

Upgrade reported XXXX late payments in 2020 in error. They acknowledged the error ( eventually ) and posted a correction. But later Upgrade re-reported the late payments. Again I disputed, and they corrected. This cycle now won't stop. Each time they report the incorrect late payments my XXXX score plummets. The cyclical nature of this has kept my score low for two years, negatively impacting my costs with insurance, rent, credit card rates, loan rates, and more. 
XXXX continues to accept the errant reports, even though they know this data is inaccurate. XXXX acknowledges on the phone that they can see this cycle, but won't take any steps to help me correct the problem, including the simple step of sending to me in writing that they are reporting what Upgrade keeps sending them. 
Upgrade insists that they have corrected the problem, and will not continue to address/correct the issue. They no longe answer my calls or respond to email inquiries to escalate this problem to resolution.
Consumer complaint received 2022-03-19
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)

Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and seems to be a duplicate of Account # XXXX and the collection agency was not able to verify it.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX    XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-09-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Due to the COVID-19 pandemic I was left in a financial crisis. The apartment complex I was living in started harassing me, doing routine checks of my place and unfairly fining me for things that were untrue. There were some fire hazards that were not taken care of the day I moved in and I was going to take them to court over it. The problem is that I was unable to pay rent for a couple of months and they were going to evict me and take me to court for the money. The place was rat infested with huge holes all over the apartment. It was literally uninhabitable, I ended up abandoning the apartment and leave my things behind to start a new life in XXXX. After a year I noticed a collection on my credit report with their information about the debt I owed to them. I never received a collection letter and I am at a loss now, since it's on my credit report. The exact date and amount reported on my credit file is XX/XX/2022 for the total amount of XXXX
Consumer complaint received 2020-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

XXXX XXXX XXXX, XXXX XXXX, CA, has been charging me outrageous 152 % interest rate for the last 2 years on the amount of {$1600.00} loan. They have debited my bank account over {$3600.00} for the loan amount of {$1600.00}. The balance is still {$1100.00} which means they have charged me {$3100.00} interest on {$500.00}!!!! The mode of financial fraud is that they never sent me any monthly or yearly statement, so I never knew what was happening to me. How many other people have been ripped off by XXXX XXXX XXXX no one knows. Once I called today the XXXX XXXX told me about that. The loan applied at auto repair store XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. 
The XXXX XXXX XXXX, Tel XXXX, kept on secretly and silently charging my account.
Consumer complaint received 2022-10-24
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. (TX)

I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.
Consumer complaint received 2022-03-19
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. (FL)

Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus.

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.
Consumer complaint received 2022-10-24
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. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given XXXX  XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from XXXX XXXX  XXXX  about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2023-06-27
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. (NJ)

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is closed I am writing to lodge a complaint regarding the deceptive reporting of a closed account by XXXX and Equifax on my credit report. The closed account in question is with XXXX XXXX, with the account number XXXX. 

It has come to my attention that both XXXX and Equifax are inaccurately reporting the closed account as open, which is adversely affecting my credit score and overall creditworthiness. This deceptive reporting misrepresents the true status of my account and poses significant challenges when seeking new credit or negotiating favorable terms.
Consumer complaint received 2022-03-18
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. (PA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-03-18
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. (IL)

I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX  XXXX Bankruptcy XXXX XXXX  XXXX BankruptcyXXXX
Consumer complaint received 2018-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Seterus, Inc. (GA)

Seterus has reported information to XXXX  and XXXX Credit agencies. I have disputed information and this agency has replied that you have replied with details. 
According to the Fair Credit Reporting Agency I am entitled to the dates and the credit accounting details that Seturus has reported. I am requesting copies of all dates and information shared with XXXX and XXXX during XXXX, XXXX, XXXX.
Consumer complaint received 2022-03-18
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX. 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 XXXX 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 XXXX 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 XXXX 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 im XXXX  now
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WI)

When selecting the options, it did not provide the actual problem I am having although the option I did select is a concern as well. 

My problem is that I have had this credit card since I believe XXXX I have always paid my balance in full XXXX XXXX. Initially, I was able to make the payments online. I pay my balance from multiple accounts, so there multiple payments made every month. A XXXX XXXX ago ( or mayble less ), they limited the number of payments online to XXXX payments. This has been an inconvenience because I now have to call every XXXX  and make the individual payments which is time consuming. This isn't even the problem. The problem is I tried making the payments for this XXXX and not only did they only allow XXXX payments online, but when I called to make the additional payments to pay off my balance, they told me that I couldn't do it anymore because i was limited to XXXX payments per day now. The XXXX I spoke with was surprised as well as she said this was the XXXX time she experienced this. I tried calling again later in the day thinking maybe it was a glitch, but in fact it appears it is the new policy. The representative suggested I start paying the bill early. Although I do make early payments regularly, I do not feel I should be obligated to do so. If my statement shows a payment due date, Barclay should honor that date and allow me to make the payments. The fact that they don't allow me to make all the payments online anymore is extremely surprising and I would think inefficient, but to not allow it over the phone makes no sense at all. 

That being said, the selection I made regarding the payment taking a long time to be applied to my account is also an issue when I make multiple payments. If I make XXXX payment, it seems to apply quicker. When I make multiple payments, I have to wait XXXXXXXX XXXX at times unless I call and have them speak with the bank to verify funds.