davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation (CA)

I moved into a rental with my XXXX old son and needed an alarm system for safety. I contacted XXXX  and setup an install. When the tech installed the system I filled out paperwork with him for the equipment. I setup autopay with XXXX and every month they took payment from me. I received a call saying I was behind on payments for equipment. I told the customer service representative that cant be I'm on autopay. I sent her the autopayments and she explained XXXX and the equipment were XXXX separate payments Once for XXXX  and the other Fortiva. Extremely concerned because I had XXXX in the past and it was one payment for equipment and service I checked my credit report and it was on there and three payments were late. I have worked very hard to have good credit. I make payments early and more than the payment amounts. I called Fortiva back and explained this to them and how I am buying a house in XXXX. I paid the balance in full, which was {$1500.00} and the customer service rep said they would send me a letter to remove the account from my credit report. I called back 1.5 months later and they said they would send it and they're not sure what happened. I called again in XXXX worried because my credit score went from a XXXX to XXXX and i do not qualify for a loan with a low interest rate. I was told again it would be sent and it wasnt. In early XXXX, I called and they said they would not be sending me any such letter and no one should have told me that? I dont know why it changed but im incredibly frustrated because i was lied to and never told it was two separate accounts. i would have paid it. i have 13 years of perfect credit history and payments.
Consumer complaint received 2017-08-25
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. (NY)

please remove the XXXX collection from my file it has been removed STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account Number is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, XXXX.
Consumer complaint received 2022-01-28
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: National Credit Adjusters, LLC (OH)

The issue has been ongoing since XX/XX/XXXX. There was XXXX  negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. XXXX XXXX XXXX XXXX $ XXXX Collection Agency _ original debtor ( XXXX XXXX  ) 2. XXXX XXXX XXXX XXXX $ XXXX XXXX _ original debtor ( XXXX XXXX  ) 3. XXXX XXXX XXXX XXXX Collection Agency_ original debtor ( XXXX ) I contacted XXXX, XXXX and XXXX and file a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however XXXX did not, XXXX state that the creditor meet FCA guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the XXXX XXXX XXXX collection were from a company call XXXX XXXX, I phone XXXX XXXX and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, XXXX use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over 7 year old. but the Collection agency is reporting as this debt occurred in XXXX. I contacted XXXX with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the FCA guideline. 

2. National Credit adjuster, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, National Credit Adjuster has once again place the negative item on the XXXX and XXXX report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.
Consumer complaint received 2022-01-28
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. (IL)

Hi I am submitting this XXXX XXXX without 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 XXXX XXXX over XXXX 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXXhree 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 n 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 XX/XX/XXXXn cant provide to myXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The XXXX XXXX XXXX violated my consumer rights by reporting inaccurate alleged late payments. Fair Credit Reporting Act said information should be reported accurately, because it could and has been damaging to my financial wellbeing and my reputation. I have alleged late payments that are inaccurate being reported on my consumer report. FCRA said that report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my account. These alleged late payments should be removed from my account immediately and that by me making the credit reporting agencies aware of these violations, if the continue to violate the law and my rights it is willingful noncompliance. These alleged late payments should be removed immediately.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (MD)

Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXX XXXX  delaware XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

At the midnight of XX/XX/2023. My two accounts, both Chase and XXXX initiated XXXX payments of {$2000.00} and {$1500.00} respectively to a person named XXXX XXXX. I did not authorize this transaction and I asked the bank to reverse both transactions for me. Chase told me they conducted research and found the transaction was valid and therefore refused my claim. I do not agree with the conclusion and I want to fight for myself.
Consumer complaint received 2022-01-28
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. (MD)

Transunion credit report is currently inaccurately a student loan : XXXX XXXX  : XXXX XXXX Last reported XX/XX/2020 {$8400.00} Reported balance This account was transferred to XXXX for servicing has a much lower balance, and should be deleted from my credit report In addition, Transunion is inaccurately reporting missed payments. There have never been any missed payments on my student loan account. 

See attached for a loan servicing letter documenting the transfer of the loan to XXXX for servicing.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Consumer complaint received 2018-04-09
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. (OH)

XXXX XXXX claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.
Consumer complaint received 2022-01-28
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. (NY)

I, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX. Account number : XXXX. Account name : US DEPT OF EDXXXX. Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.
Consumer complaint received 2022-04-12
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. (DE)

Obtained copy of consumer report and noticed unauthorized accounts and inquiries I submitted a ftc report I am a victim of identity theft and i am demanding removal of accounts and inquiries
Consumer complaint received 2017-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I took 3 classes online at XXXX XXXX online school. The are saying my student loan debt is over 10,000.00 dollars. I  have no idea where the money went but i do n't believe i owe XXXX XXXX for 3 classes i tried contacting XXXX XXXX and get no answer I can not get into fasa. This is ruing my credit report. Please help me.
Consumer complaint received 2017-08-26
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: Experian Information Solutions Inc. (TN)

I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen XXXX XXXX, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

In XXXX I obtained a mortgage through National City Bank. I only put a small amount down so I was required to have private mortgage insurance. National City was acquired by PNC bank and I was consulted by mortgage loan officer XXXX XXXX of PNC ( XXXX ) and encouraged to refinance with more attractive terms which I did. In XXXX XXXX XXXX reached out to me again and explained that I had fulfilled the requirement with timely payments to no longer have PMI. I called the number given to request the PMI be removed ( XXXX ) and was informed that within 7-10 business days I would receive the information to have it removed by sending the request to PNC BANK XXXX XXXX XXXX XXXX, OH. XXXX Later, I received a letter stating that although I met the 80 % or less of my homes appraised value, neither the length of time nor my timely payment history would be cause for the PMI to be eliminated. Instead it would remain for the life of the mortgage. 

Please assist me in this matter as PNC is unjustified in maintaining this insurance as a profit making tool and not a defense to mitigate possible loss from default.
Consumer complaint received 2022-01-28
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rocket Mortgage, LLC (MS)

ROCKET MORTGAGE AND ANOTHER CREDIT AGENCY IS CALLING FROM XXXX DIFFERENT NUMBERS LOOKING FOR A " XXXX XXXX '' ... I AM NOT XXXX XXXX AND I'VE HAD THIS NUMBER FOR 10 YEARS! THEY WON'T STOP CALLING NO MATTER HOW I'VE ASKED THEM. MY NUMBER IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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. (FL)

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (IL)

All the customer service numbers listed for this card will not allow me to talk to anyone until I activate it. I do n't want the card, and will not activate it. I want to know why they sent it to me when I never requested this card.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : XXXX. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA. 
XXXX. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities. 
XXXX. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA. 
XXXX. Removal of any information obtained or processed in violation of my privacy rights or applicable laws. 
XXXX. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report. 

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made. 

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-12
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)

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. XXXX XXXX XXXX Inquired on XX/XX/ 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX  XXXX XXXX : XXXX. XXXX, 2022