davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that XXXX working with a third party or credit clinic. Lets get the record straight!!! XXXX the XXXX whos disputing this information. The information XXXX disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that XXXX Credit Bureaus must investigate and delete these fraudulent items.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$18.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ME)

I submitted all documents to remove off my credit with all the forms that were requested & required. The law states in XXXX XXXX  cases companies have 4 days to remove everything, your company did not, when I would call everyone I spoke to was rude & just kept repeating themselves & not helping me. I have been extremely frustrated over this none of the other credit companies gave me a hard time & I handed in everything that was required & requested. Your company acted like my voice wasnt enough or the voice of a XXXX XXXX advocate.
Consumer complaint received 2022-08-18
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. (TN)

I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. On page 2 of 28 dated XX/XX/2019 ( will add the report number later ), they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be deleted.
Consumer complaint received 2022-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-09-05
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. (TX)

The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.
Consumer complaint received 2022-08-18
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: JPMORGAN CHASE & CO. (NJ)

This company is reporting I have a car loan with them and it is charged off. I have wrote this company several times sent in documents supporting my claim and the issue is still not fixed they are not responding to any of my letters.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my DEPT OF ED/NELNET student loans. Please note, the only time Ive ever been late was in XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late.

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that Nelnet remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX  Balance {$20000.00} XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX  Balance Equifax : XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$16000.00} Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount
Consumer complaint received 2019-02-06
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: Santander Consumer USA Holdings Inc. (NY)

MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) SANTANDER CONSUMER USA 2 ) XXXX
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

In XX/XX/XXXX, I learned of a fraud claim of XXXX. I admitted to allowing a friend of a friend to use my phone only to find that he filed this fraudulent claim and obtained the monies from it. {$2900.00} was transferred to another navy federal member who admitted that my friend 's friend was her boyfriend that committed this fraudulent act towards me and her account/funds were released. My mother and I spoke with navy federal reps in XX/XX/XXXX initial contact after nfcu letter received, XX/XX/XXXX when advised of the appeal process being an option, XX/XX/XXXX to be advised that the appeal letter was received and in process, and again today XX/XX/XXXX with a branch representative who advised there is no documentation/activity showing after the XXXX conversation and also that the member 's, XXXX XXXX XXXX her name is listed on the bank statement received ) account was released and no funds were recouped. I SWEAR TO YOU AS I DID TO NAVY FEDERAL IN MY APPEAL, that I have no knowledge of XXXX only communications with my friend 's friend. I believe that it is unfair that I have been penalized not being able to use my account and owing this entire balance when she received and used funds from a fraudulent claim. I spoke with XXXX and a male rep and advised them both of my fault and willingness to satisfy the debt if the case was truly reviewed and decided on in a fair manner. I have made the attempts to follow up but have not received any correspondence via email, mail, or phone. It has been 90 days or more since the appeal was received and is ample enough time to investigate. Please help as I want to rectify this situation. I have attached supporting documents.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (AZ)

XXXX XXXX has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.
Consumer complaint received 2022-08-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

To whom it may concern, Re : XXXX ( DBA of Paypal ) I am not a XXXX   customer, but my credit card information was stolen by a XXXX  account holder. 

I contacted my bank ( XXXX ) regarding fraudulent charges and their internal investigation is currently underway on my Visa card ending in XXXX I then contacted XXXX and this is essentially what they communicated to me : Go away, we won't help you. ( pretty much just like that ).

No, you can't speak to a manager. 
We can't or won't act on the transaction information ( of which I have dates, transaction numbers, amounts, etc. ) to make any inquiries. 

Essentially, we don't care, and we're not going to do anything about it. 

Before you ask, yes, as I said, the investigation is underway with my bank, BUT due to the aggregation of transactions through a single entity ( XXXX ) we can't see in what state the transactions occurred, what persons or businesses were paid, and other information critical to understanding how/where/when this security breach occurred in order to stop future fraudulent transactions, or change the way in which I use my card. For example ; If XXXX requires the 3 digit security code from the back of the card, and/or other verification processes, they would not share that with me, in fact, they basically told me to drop it. 

I'm not dropping it. XXXX needs a serious rethink on their consumer fraud policy. 


I appreciate your time and attention. 
Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Consumer complaint received 2022-08-18
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. (PA)

Experian credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Experian has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Experian has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA XXXX Please REMOVE fraud alert 48 hours AFTER initiation. 

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MD)

On or about XX/XX/XXXX, we began working with XXXX ( Case-ID XXXX ) to avoid foreclosure and obtain a loan modification on our home loan. We're an elderly couple in our 60 's and 70 's with health problems. The loan was assumed by XXXX XXXX  XXXX around XX/XX/XXXX. I learned today, the property has been wrongfully foreclosed on around XXXX and the lender or the courts failed to notify us and failed to show at a mediation hearing set in XXXX XXXX XXXX County Court on XX/XX/XXXX they canceled it. To date, nothing has been informed to us and we need a translator. However, we learned today, the property was foreclosed on and we have no understanding why? The lender had asked we get more income given our SSI wasn't enough. We have taken in two renters only to learn they've illegally foreclosed on the property for owing less than $ 80K in past payments. I seek emergency help in this matter. The property is more valuable and we could have opted to sell versus an illegal foreclosure. I beg for assistance as soon as possible. One of the renters was a furloughed employee so we have delays in getting our rent in the past months as well.
Consumer complaint received 2023-04-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I called Equifax on XX/XX/XXXX regarding removing a remark/comment that was added to my XXXX  account for some reason the agent deleted the whole account the next day off my credit profile without even doing a proper investigation that should take at least " 30 days according to the law '' as they should because if they did, they would've known that this was a factual account with over 10 months positive payment history, my score dropped XXXX points putting me in a bad spot now being that I'm in the process of financing a home and now because of Equifax I'm not qualified anymore because of the score decrease, if you check my XXXX and XXXX report XXXX account is present on both bureaus and i have all the proof in the attachments below
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXXXXXX Bank On XX/XX/2022 have been charged me Interest and late fees all the way up too XX/XX/2022 for XXXX dollar for No Transaction have not been done since XX/XX/2022 was my last purchase And my account is paid in full.. I haven't used my over XXXX months and I received a bill of XXXX dollars for None purchase, I was charge for not using my. Card every month.