davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus XXXX, Experian, and XXXX this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act
Consumer complaint received 2023-06-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 Balance Owed : {$2800.00}.
Consumer complaint received 2020-12-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

My previous complaint on this company was closed when you received their response. BSI Financial lied in their response letter. They have not paid the hazard insurance. I have provided a screen shot of the mortgage activity dated today. As you can see, BSI paid the county tax and city tax. No payment has been issued for the hazard insurance although I have sent them the bill twice. The hazard insurance is due on Friday, XX/XX/XXXX. At this point, I'm forced to pay the premium out of pocket to insurance the coverage does not lapse. This is unacceptable as this VA loan has an escrow account and BSI is not properly managing same by paying the bills on time. If I had not filed the previous CFPB complaint,, I'm convinced they also would not have paid the taxes on time.
Consumer complaint received 2020-12-15
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. (CA)

I recently received an alert from Experian telling me that my score has gone down by almost 40 points. I was really concerned that something bad had shown up on my credit so I carefully reviewed all the account details ... unfortunately what I found was really disappointing ... Experian removed 3 of my positive student loans from my credit report for no reason. I did not dispute these accounts, there was nothing negative about the accounts ( no late payments etc. ) and I did not request any kind of review but Experian decided to just remove them from my report. These items happened to have a lot of credit history and this is the only thing that has changed on my credit file. I don't know why Experian removed these accounts but I want them put back on my credit report so that my score goes back up to what it was before they were removed. I am trying to get approved for an apartment but this change in my credit score is going to totally prevent me from being approved since my score has gone down so much.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (PA)

I never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (CA)

I XXXX do not owe XXXX any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP
Consumer complaint received 2019-04-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlas Credit Company, Inc. (TX)

I got a loan with Atlas Credit Co., Inc. in XXXX XXXX Tx. I always made my payments but about 4 months ago my 7-year-old son was very ill. After about two months we found out he has XXXX and will most likely XXXX XXXX within the year. I can not afford to pay Atlas anymore. My son 's bills are killing me and I had a loss of time at work so I was not getting paid. I send a letter off to Atlas Credit Co., Inc. on XX/XX/XXXX to stop all calls and ask that I only be contacted by mail because I know I can't pay them back. I have told them this on the phone. They text me telling me they are going to come up to XXXX XXXX 's hospital to come to get money from me. I also have the text saved if I need to provide them. They call me three times a day they go by my home two times a week. I can a call today XX/XX/XXXX XXXX am after I know they received my letter because they send me a letter back. I can't pay them ... I told them to do what they need to do but at least stop all the calls so I can at least enjoy the little time I have left with my son.
Consumer complaint received 2023-03-19
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. (WA)

In accordance with fair credit reporting act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681 Account name : 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  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 section 2. It also states that consumer reporting agencies can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC (NM)

National Credit adjusters call all day. Even at XXXX. I explain to them that I am asleep and this is inappropriate to call after such time. Not only that but they call from XXXX different numbers. I block all of them and they continue to call from XXXX of numbers. I have asked them to stop and to stop calling from random numbers while Im at work or asleep! They dont want to listen to me so Ill take my complaints elsewhere.
Consumer complaint received 2023-03-19
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 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 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. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s - 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-10-01
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)

XXXX, EQUFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} EQUIFAX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX  : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - XXXX   XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX
Consumer complaint received 2019-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc. (VA)

I received a loan from MoneyLion in XXXX. I paid off the loan XX/XX/XXXX. The company is constantly reporting late payments on my credit report even though the loan has been paid off. You can't get through the line to get to customer service I've sent in several emails and it takes two weeks for a response. I've sent in the receipt numerous of times and I'm still not getting a response from this company. I would like this account removed from my credit report because it's affecting me with purchasing a home.
Consumer complaint received 2023-03-19
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)

I submitted a letter to dispute an account ( XXXX - XXXX ) on my report on XXXX/XXXXXXXX. This company never sent a 1099 as well as furnished MULTIPLE discrepancies on report including date of last payment, last active etc. The account was charged off but there was still a past due balance. They stated the information was verified but was not able to produce how the information was verified. This company was also inaccurate with my payment HISTORY. I disputed this account with all 3 bureaus and urge this account be deleted for violating 15 usc 1681eb.
Consumer complaint received 2023-03-19
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. (MD)

XXXX XXXX XXXX  has illegally reported a total count of XXXX late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2023-03-19
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. (AK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 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 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX****. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-03-19
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. (PA)

On XX/XX/2023 I received an letter from Equifax stating that an account I disputed was deleted. Today XX/XX/2023 the account is still reporting on my credit file. Account XXXX XXXX ACCOUNT number XXXX. I have attached below the letter Equifax sent to me stating the deletion but its still reporting. Please correct this error being though its causing harm to my credit profile.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

I have reached out to the department of education regarding the student loans for XXXX XXXX XXXX college with no help. I did inform them that the student loans were paid in full and was advised that they were not. i did reach out to XXXX XXXX Executive Director of Financial Assistance Services who also confirmed the loan were paid in full. 
I did receive the documentation that the loans and there are four of them are paid in full as well per Navient credit finance corp. these student loans for for the period of XX/XX/XXXX XXXX. I have tried to reach out to the umbootmans office however they advised they once they have an electronic signature they can put that signature on any document they want to and that proves i owe whether i do or not does not matter. I did ask for the call to be escalated and i never heard nothing back. I have also contacted the IRS since it was the XXXX taxes that was taken which should not have been. This issue is not resolved and i have attached proof the loan was paid off.
Consumer complaint received 2023-03-19
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. (NC)

I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also equifax will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 - 30 AND 60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

I went to the teller at XXXX XXXX XXXX and she informed me that my XXXX cash payment for my credit card would post immediately. Which was not correct. Because the transaction was done incorrectly I requested to have my cash returned. TD bank then states they are unable to reverse the transaction and my cash payment would not be available for 2-3 business days. My payday and the transaction occurred on Thursday and 2 business days would not complete until Monday or Tuesday. Which is a huge inconvenience to me! How can they misinform me and force me to not have access to my cash over the weekend and about 5 days. I spoke with several managers at various levels who were not helpful or attempted to solve my transaction problem. Im disgusted and nothing good to say.
Consumer complaint received 2019-10-01
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)

1. I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.