davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
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. (FL)

Earlier this year, I complained to CFPB about Experian NOT properly updating my debt report. Experian claimed they were at fault and raised my Fico score to XXXX on XX/XX/2019. Then 5 days later XX/XX/XXXX, they did an update and my debt report was at {$360.00}, ( {$250.00} XXXX XXXX and {$110.00} XXXX XXXX ), new balance which is 7 % credit utilization. Credit bureau like to see 6 % and under. Experian dropped my Fico score by 2 points. On XX/XX/2019 debt report, Experian DID NOT properly update my debt report. My info I received from XXXX XXXX and XXXX XXXX is {$86.00}, THE COMBINED NEW BALANCE for XXXX, which is 1 % credit utilization. They still used FEBRUARY`S XXXX XXXX of {$250.00} and {$13.00} XXXX XXXX. Experian did get XXXX XXXX correct but NOT XXXX/XXXX. balance, which equals a total of {$260.00} which a WRONG TOTAL for XXXX. I expected my Fico score to go up for my hard work on keeping a small balance of {$86.00}. My XX/XX/2019 DEBT REPORT with info I received from XXXX and XXXX/XXXX  is {$190.00} which is 3 % credit utilization. THEY STILL USED FROM XXXX XXXX/XXXX  {$250.00} OLD BALANCE. Now this is 2 months in a row Experian DID NOT properly update my debt report and I am way below the 6 % they like to see. I saw this error back in XX/XX/2019 but I gave Experian the opportunity to fix this but they FAILED, AGAIN. I tried to do an on line dispute with Experian but it seems like anybody is allowed 1 time dispute for a lifetime which this is why I am contacting CFPB. Experian management is NOT doing their job doing properly training of their people. All this is, that nobody is NOT PAYING ATTENTION TO THEIR WORK, which is resulting in debt report ERRORS. Experian did report ERRORS on me ( retired senior citizen ) 3 out of 4 months for the year of 2019. This is extremely unacceptable.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (IL)

THIS ACCOUNT HAS BEE REMOVED BY MERCHANTS AND MEDCAL ON XX/XX/XXXX AND NOW HAS BEEN SOLD TO THIS COMPANY AND HAS REAPPEARED ON MY REPORT WHICH A VIOLATION OF THE FCRA AND FDCPA, ... .MERCHANTS MEDCAL HAS PLACED AN " Account has been validated note '' ON MY CONSUMER FILE THEN SOLD THIS ACCOUNT TO THIS NEW COMPANY, M & M CREDIT INC .
Consumer complaint received 2019-04-26
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)

I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. SXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX!., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

i have disputed several times on the information of the bankruptcy appearing twice on my report when my wife and i only filed once XX/XX/XXXX ... my wife is now deceased as of XX/XX/XXXX.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (AZ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

My XXXX account was frozen today,XX/XX/XXXX, due to violations of XXXX service. The only transactions I made today are a funds transfer into my account in the amount of XXXX, a money transfer in the amount of XXXX to XXXX XXXX, this account is in the name of a friend 's father, the person requested to borrow XXXX dollars. Prior to this, a transaction in the amount of XXXX was sent to XXXX XXXX, another friend whom requested to borrow this amount.. I am not aware these transactions are a violation of XXXX terms of service, photo ID was requested which I emailed and the live chat did know anything about reason ( s ) for the freeze. The rep stated the issue was escalated and to wait 5-7 days for response. I request reasons for freeze and or it lifted.
Consumer complaint received 2019-04-26
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. (FL)

This fraudulent address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, F
Consumer complaint received 2019-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have continuously submitted copies of consecutive documents to the lender but they keep on asking me for the same information over and over again. I have clarified everything in question and just feel like they are giving me the round around. They told me that I am getting removed soon because I have not provided the documents that they are asking for but I have and its not going anywhere.
Consumer complaint received 2019-04-26
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2019-04-25
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)

six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only XXXX who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (UT)

I am off of Probation and in good standing with UHEAA. I called and spoke with XXXX to see what I needed to do, going forward. She explained I needed to restate my payment plan and I advised her nothing has changed and I would like to keep the payment the same. She explained she would send me paper work I needed to fill out and return. I received the paper work filled it out and stated I would be doing the Standard repay - understanding that my payment would stay the same. A short while later I get a notice that my payment is late. And, then I get a second notice that my payment is late and I am thinking they didnt receive your payment. I called and spoke with XXXX, he stated that UHEEA received my payment XX/XX/2019. So, I asked whats the problem- he said my payment went up to approximately {$190.00} - I asked why and explained to him - when I spoke to XXXX that explained I want to keep my payment at {$110.00} and I filled out the paperwork she sent me and sent it went my check. So, how can I be late? He put my account into forbearance for two months, I dont want my account in forbearance - When I send my last payment I sent the Forbearance letter back to them stating take me off of Forbearance. I asked him other questions as well, regarding holding my tax refund - he told me I would have to speak with a my tax guy! I tried to explain my question two or three times - he still didnt understand. Also, when I call UHEEA for information about my account, I get a recording to put in my SS and birthday - I put the info in - also my info pops up on their screen so they already know who is calling - then when someone picks up - Im asked to verify my info again - if I dont give it to them they refuse to help me - I feel this is extremely excessive and borders on harassment - of course UHEEA will say they have to verify who they are speaking with - who in their right mind calls UHEEA just to chat? Really? When the reality is -I have received different info with every person I have spoken with - no one knows what they all doing - except to verify a person who is calling about their account? I have seriously wondered if they hire High School Students or if the people are XXXX XXXXXXXX and Im not kidding!!! - nothing is consistent and refusing to give me information about my account after being verified at least 3 times? Its absolutely a ridiculous and a waste of time for them and me. I called once and the recording says there are busy leaving your name and number and we will call you back - UHEEA never retuned my call - the people in this company are absolutely incompetent! And Im tired of it. I just want to be sure Im doing what I need to do and UHEEA makes it horribly difficult!
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valentine and Kebartas, Inc. (SD)

Repeated calls, call my landline number, I say hello, there is no one there, I call back and I have to put the phone number in. I have spoken to a person after this, they are looking for someone who is not me. I have asked repeatedly to take my phone number off their lists, yet they keep calling. Examples of dates as follows : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX The company name is Valentine and Cabartis ( SP? ).
Consumer complaint received 2019-04-25
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. (OH)

I'm in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX Inquiries-XXXX, XXXX  XXXX  XXXX, XXXX , XXXX-XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX/XXXX/XXXX, XXXX   I, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX  XXXX  XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-04-25
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)

six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only one who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 I have asked Transunion to please updated my address with only the address listed on my drivers license. And yet there are still addresses I dont recognize o n my report. Please help me in getting the only address listed on my valid license listed on my credit report.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We submitted a valid payment to our account, as we have since we opened the card. The bank has suddenly decided that they have a new policy of not crediting valid payments for some indeterminate period of time ( each time I call I get a different number of business days ). They have independently and manually verified, with me on the line, that the payment is valid, but have continued to shrug and tell me that despite possessing thousands of their dollars, their new policy does not allow them to credit the payment to our account.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX provide me a letter for XXXX, XXXX and Equifax to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, XXXX  and Equifax not updating my credit report and scores.? 
Also for XXXX XXXX  XXXX # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 XXXX XXXX was called in by phone on each month of the XXXX to XXXX XXXX  XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on XXXX  and Equifax.It needs to be added to XXXX and Equifax immediately. 

I am XXXX, XXXX and a US XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, Equifax and XXXX  have a business partnership with XXXX?
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX BALANCE : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-14
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. (AR)

In accordance with the Fair Credit Reporting Act Collection Account 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 : also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2022-03-12
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. (FL)

I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my 3 credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact Equifax notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. Equifax has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

I've requested copies of statements from time my Slate account was opened until it was closed as well as account agreement pertaining to charging of interest and fees. I need these items mailed to me, Chase has replied prior and attached the items via file. These items need to be mailed to me, these are required for legal reasons. I am unable to print the items.
Consumer complaint received 2023-07-06
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. (ME)

I reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of 2022. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX XXXX XXXX  account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Incorrect names are reporting on my credit report. 

XXXX XXXX XXXX XXXX Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX
Consumer complaint received 2019-04-26
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. (IN)

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX for this account however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month inXX/XX/XXXX and received the same response.