davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

I was on the rate reduction plan with the company and it was time to renew. I have been paying XXXX but struggling to do so. They asked for both me and the co-borrower information and we submitted it and they said we had a deficit in income so we didn't qualify for plan. Then I asked what does that mean, and they were like higher payment. I was like that is impossible if we have a deficit. They then asked for bank statements. We had recently got some payday loans to try and help make ends meet and make all our payments. Well because they so deposit from those funds they felt like we had income, without even looking at all payments and monthly bills. We submitted documents showing how much those payments were for and they still said they could not reduce payments. We are currently having a hardship and don't understand how an we make a payment if we sent you paystubs and you said we couldn't afford to make a payment. But because they saw loan proceeds to pay our bills that we currently make a payment on, they assumed we have money. They have not been the easiest to work with, and I have been told oh, there are not options for Private loans. We are at risk of losing everything at this point.
Consumer complaint received 2021-09-02
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. (WA)

The company Experian erroneously said that I asked for XXXX child support accounts to be removed which I did not! I requested that they update the monthly payment amount. Experian has my monthly payment of over {$47000.00} per month therapy making my debt to income ratio inaccurate. My monthly payment for the accounts are only {$300.00} not {$40000.00}. I simply want my payment amount that is arranged by the court of law is law to be corrected. I provided the court order of the arranged payment amount which explains which experience is not showing accurately therapy violated is thereby violating the laws of FCRA. 
, ,Experian shows my Monthly Payments is {$47000.00} which is {$570000.00} per year on my credit report. 
There is no possible way that I make monthly payments of that amount or even be charged that amount when I have a legal payment arrangement of the actual payment. Experian is ruining my credit and reputation by stating that I have that amount of payments per month. I have provided PROOF form the furnisher that I pay {$300.00} per month on these accounts through a legal court order. The furnisher even told me that they told Experian these facts however Experian REFUSES to reflect the legal paperwork that was supplied to them by me AND the furnisher. Please update my credit according to the FCRA. If a consumer reporting agency ( EXPERIAN ), or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. The costs of an Experian credit report error in my case include : 1. A lower credit score 2. Higher interest rates for your credit card, private student loans, and home mortgage 3. Higher insurance premiums for your home and car 4. Loss of a job opportunity 5.Denial of loan and credit applications I am confused as to why Experian would just update my CORRECT monthly payments?
Consumer complaint received 2022-03-04
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. (WI)

My mortgage payment up to date but the credit bureaus still showing a balance over {$160000.00} though my statement showing as of XX/XX/XXXX an outstanding Principal {$110000.00}. But my loan year to date Form 1098 showing outstanding mortgage {$100000.00}. Its been 3 years Ive been asking XXXX Mortgage to fix it and several disputes made with Transunion XXXX XXXX. Both XXXX XXXX Department & credit bureaus pointing to each other not updating my payments. Way back XXXX, my outstanding principal only showing {$100000.00} but starting XXXX, my principal goes up to {$110000.00}. Right now, my XXXX credit score showing XXXX. But Transunion score XXXX & XXXX still showing XXXX.
Consumer complaint received 2020-12-16
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)

On XX/XX/20 i disputed a XXXX XXXX credit reporting for incorrect information. The XXXX account was removed from my credit report. On XXXX a new debt collecting company that purchased the XXXX account started reporting with even more incorrect information and showing as a new active account. I disputed the new account ( XXXX XXXX XXXX ) with Experian and the investigation came back as updated. XXXX XXXX XXXX ( debt collector ) has incorrect information being reported as a new account as of XXXX. Experian doesn't want to do the research to see the original XXXX account was removed for incorrect reporting data. XXXX sold the account to XXXX XXXX XXXX and is now showing as a newly delinquent account. Thank you
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XXXX I sent Transunion a request to remove a dismissed Bankruptcy they did remove the inaccurate Dismissed Bankruptcy that was reporting to my credit. They then added it back with out notification. This Bankruptcy reads a XXXX $ balance and dismissed.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (MA)

Lexis Nexis is combining my personal records with that of a woman in XXXX, AZ who has the same name I do. When an organization requests my file, it now contains the past address and court records of this woman in Arizona. 

As a result, I now fail authentication at my own bank. Online databases and the major credit reporting bureaus have also shown this incorrect information. It appears they are not gathering data based on social security number ( a unique identifier of one person ), but on name and possibly age ( numerous matches possible ). 

This is a financial and logistical nightmare, as I have to contact each one by hand and prove my identity to each company and website. My bank has said this is called " soft theft ''. 

I spoke with Lexis Nexis on XX/XX/2017, and they denied providing the information to my bank ( they do n't know my bank emails/calls regularly with updates about THEIR conversations with Lexis Nexis ). Later in the conversation, the " specialist '' apparently found an AZ address, but stopped short of saying actual words to acknowledge that. The " specialist '' claimed she could n't find any court records. My bank told me the records originated in Arizona 's XXXX District Court ( record provided by Lexis Nexis ). 

Lexis Nexis obviously lies as a part of daily business. This is an organization our financial and legal institutions trust to make judgements about us!
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (CA)

This account was closed and I want nothing to do its or affiliation .because of no access to my funds do you know how much was lost because of these XXXX and how much what this does to somdone when they have to pay things on time. I haven o access to fins means no ability to pay and Stay on my stuff lawyers court lawsuit for what they have lost. I have none of my funds. They are going to be sued. I can't do anything without my funds. In court thy see no funds equals banks fault and responsible. I want my funds immediately.
Consumer complaint received 2022-06-20
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 XXXX Account # XXXX Reference # XXXX ( XXXXXXXX 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 account without my written instruction.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Equifax has a continued issue with my credit report. I can not unlock my credit report because they continue to not update my validation date. Even when I sent what they requested via a complain to update any and all invalid data with proof via the CFPB complaint system.
Consumer complaint received 2022-03-07
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. (NV)

EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXX IN THE AMOUNT OF {$550.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED.
Consumer complaint received 2022-06-20
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. (NY)

New and updated information. Experian has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. I XXXX XXXX, did not request a fraud alert to be placed on my consumer report as all complaints have been submitted through the CFPB and none of those complaints have a request by me for a fraud alert. Experian took it upon themselves to place the fraud alert and then had the audacity to add a personal statement to my consumer report as if I requested it ( see exhibit B ). Experian continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Please see the attached documents as it contains my full complaint.
Consumer complaint received 2022-03-07
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. (IL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

My name is XXXX XXXX with a card ending XXXX. I have a mortgage in a Keybank account. 1. KeyBank 's mortgage system is so terrible. They charged me 3 times without any notice. Please see attached pic. 2. They told me to set an automatic mortgage payment to avoid the service fee, I did go to their branch to set it and they still charged for it. They said it will be effective from XXXX. So we still charged your service fee. Actually, their staff in the branch told me I will not be charged for that. 3.

Please refund me the service fee of {$25.00}. Do not let the customer pay your own fault!
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-06-06
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: TRUIST FINANCIAL CORPORATION (KS)

i received a letter from regional acceptance corporation stating that my request to investigate was denied because it relates to an inquiry or request for a consumer report i did not allow nor did i accept this company to have access to my credit report. it is showing that i gave permission to said consumer. 

another account- crescent bank also rejected my dispute to investigate. it shows that i supplied the dealership ( car smart auto sales ) with personal information about my credit report. however, i have never been or inquired information on the vehicle ( XXXX XXXX XXXX  ). i did not request or apply for an indirect auto loan. this bank is listed on my credit report TWICE. i didnt accept or authorize acceptance the first time around. 


XXXX XXXX : sent me a letter as well, stating an inquiry through a dealership about a vehicle i tried leasing or financing on. : dated XX/XX/XXXX. 
vehicle. XXXX XXXX XXXX. i did not, authorize permission. i never tried leasing or financing on said vehicle.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have sent disputes to Lexis Nexis Consumer Center in regards to their report they have on me. I have inaccurate unverifiable items listed in my consumer disclosure/C.L.U.E. report. I first contact them on XX/XX/19 in regards to inaccurate addresses, phone numbers emails and incorrect name. I received a letter from them stating that everything was correct I sent them proof with my social security number, drivers license and proof of residence. The letter they sent back they had more inaccurate names and etc. I sent them a second letter on XX/XX/19 to correct and remove all incorrect data. I sent them another dispute letter on XX/XX/19 to dispute bankruptcies listed on my report. They sent back a letter stating they initiate the dispute on my behalf to XXXX XXXX and XXXX. I never asked them to do this I am disputing with Lexis Nexis and I have a security freeze on my account so why would they share information with the three credit bureaus. I NEVER ASKED THEM TO COMMUNICATE MY DISPUTE with the other credit bureaus. Lexis Nexis finally responded and said it was accurate. I sent them a method of verification letter on XX/XX/19. Lexis Nexis has failed to provide the requested information. Lexis Nexis has not responded within the required 15 days.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MI)

DIVERSIFIED CONSULTANTS INC opened : XX/XX/2018( 2 mos ) i have tried to resolve this issue of identity theft on my credit. i need your help to resolve this for good on my account, i have been trying to purchase my first home and this problem as stopped me and my family from doing so. if you could please help me to remove this off my account i would greatly appreciate it.
Consumer complaint received 2018-05-22
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. (CA)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX : the account number is XXXX : date opened XX/XX/2016
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MO)

i did send three notices to this corporation trying to provide remedy and did ask how i am to pay since federal reserve notes are not considered payment and are only debt notes ; this corporation has added negative statements to the credit report ; this corporation can not provide the original promissory note nor did this corporation fully disclose what the use of the promissory note was and did sell the original and did not include the beneficiary of the Estate in doing so ; attached you will find correspondences i did send to the company
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: First Data Corporation (NE)

I have NEVER, EVER experienced such unprofessional service as what has occurred with a fraud situation with XXXX XXXX ; payroll provider for XXXX. On XX/XX/2017 my wife and I went to a local supermarket, XXXX to purchase some groceries as there was a pending ice storm. My payroll debit card was declined which was impossible as I was just paid two days prior and had not spent much of the funds. We came home and logged on to the website and noticed XXXX FRAUD CHARGES ; XXXX pending with XXXX for {$260.00} and XXXX charges for a company known as XXXX XXXX XXXX ( XXXX charges for {$100.00} and XXXX for {$51.00}. We immediately called the XXXX # on back of card and where directed to a XXXX male who spoke XXXX. He told me to contact the merchants and try to cancel with them. My wife works at a bank, XXXX, and explained that the procedure is generally a fraud affidavit and to dispute the charges. The XXXX male assured me he would send out a fraud affidavit and we had only 10 days to dispute charges from XX/XX/2017. I contacted XXXX but you can only contact them via an online email form. I described the situation and asked for them to cancel the pending charge of {$260.00}. By XXXX on XX/XX/XXXX, the XXXX charge was cancelled and money of {$260.00} was back in my account. I conacted XXXX XXXX XXXX via email form to as there was no phone number as out of country company. I did not hear back from the company until email received on Wednesday, XX/XX/XXXX stating that there was nothing that the company could do to explain the charges since WE HAVE NO PRIOR BUSINESS with them but they " would cooperate with any disputes with the debit card company. '' I forwarded all documentation to Money Network via fax and mail on XXXX/XXXX/17 and then sent out all the documents via priority mail return receipt on Friday XX/XX/2017. I have retained all necessary documents which can be provided if needed. I regret having my money deposited with Money Network AKA First Data as now my co-workers have informed me that they have had similar situation and have NEVER received a resolution and that I would likely lose my money as the 10 days have now expired. I NEVER RECEIVED a fraud affidavit from the company and now am very concerned as the unprofessionalism and lack of understanding is clear on part of an out sourced call center to another country. I have done everything correctly and spent time and out of pocket to try and correct this situation for obvious FRAUD but the company does not seem to care to respond or act. I am at wits end and hope that at least but notifying the CFPB someone else does not go through this mess.
Consumer complaint received 2023-06-13
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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