davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.XXXX XXXX # XXXX account is reporting 30,60 DAYS LATEsinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (LA)

Hello, my name is XXXX XXXX. I have been with American Express Serve for years and never experienced anything like what I am going through now. On XX/XX/2021 my account that I have had with you all for 6 years was locked. I noticed this when I tried to pay my bills online and it kept delving my card. I then, went to log into my account several times and could not get in. I tried calling customer service and was told my account was permanently suspended and to write a letter to receive the funds that were in the account. After comparing what could have happened, I realized that my husband received a deposit to my account instead of his and is locked my account. We have both been with AMEX serve for years. I would appreciate if my account were unlocked, so I could access my funds. If this is not done, I will have to file a complaint with the XXXX  and get my lawyer involved. My family desperately needed that money. My entire savings and all are in that account. I am not able to pay any bills, and o am currently sitting in a home without lights because I can not access my funds. I know that my money can not be held. I have work checks, taxes, and other deposits all going to this account that I can not access. My family was already affected XXXX, and now this. My family is in desperate need of this money, or we will lose everything we have! I have a XXXX  and XXXX year old without food, because we have no money. Someone please get back to me via email ( XXXX ) or phone ( XXXX ). I will do whatever it takes to take care of this matter, because my family is in need. Thanks for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I graduated as a XXXX  and consolidated my loans. American Educational Services ( AES ) was my loan servicer. I was not able to afford my loans when I began XXXX. I made {$30000.00} one year. My loan payment was over {$800.00} per month. I was told that the only thing that I could do was defer my payment because I could not afford it. I was also told that I did not qualify for loan forgiveness or income based repayment. I paid 35 payments to AES. I moved my loans to FedLoan and started all over. I still have 36 more payments due to FedLoan. I should be done paying my loans if the 35 payments could be counted toward the 120 for Public Service Loan Forgiveness. The loans should have been paid several years ago if the deferments would be counted. 

Please help.
Consumer complaint received 2017-12-21
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. (TX)

I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX , & Equifax based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
Consumer complaint received 2021-07-14
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.XXXX XXXX # XXXX account is reporting 30,60 DAYS LATEsinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2023-03-29
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. (CO)

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. 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 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 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 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (CA)

Company Involved : Experian Reporting Agency.

Date : XX/XX/2021 Disputed items : Two fully paid accounts still showing on my credit history. Experian reporting Agency is not willing to delete those two collection accounts on my credit history.

Payment receipts and confirmation numbers of the two company ' have been provided to Experian company.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This debt was cancelled by the XXXX XXXX  and shown as charged off on my credit report on the date of XX/XX/XXXX. The account was closed and has no payment history prior to XXXX. The last payment date is XX/XX/XXXX. This is inaccurate and they are using it as a means to continue having this debt on my report. This is recklessness and a violation of my rights according to FCRA. I am very upset with this false information that has led to a negative impact on my credit reports.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (LA)

Lexus nexus, aka XXXX has provided false information to my autp insurance policy. Its information has tripled my insurance policy amount. I can not talk to a live agent to resolve this issue.
Consumer complaint received 2021-02-05
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. (NY)

During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was crystal clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Remove CHAPTER XXXX BANKRUPTCY DISCHARGE : XXXX. This is not my bankruptcy, you've got the wrong person here.. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (NV)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : US XXXX XXXX ),
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

To whom it may concern : I submitted my loan modification packet back in XXXX  with the correct information for my income and my son 's income. For some reason the underwriters continue to confuse our income and have delayed our review for months now. I have submitted endless amount of bank statements. My son is XXXX XXXX and moved in with me to help save the home. I am on fixed income from social security. I am afraid that I am going to get a sale date because this process doesn't seem like its going anywhere.
Consumer complaint received 2020-11-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

On XX/XX/2023 I filed a complaint with the cfpb # XXXX also uploaded all required documents that supported my request to block information as a result of identity theft. In the response to my complaint mentioned above Equifax stated they are not Reporting XXXX XXXX XXXX XXXX XXXX. However, its still being reported. They also have disabled my ability to reprocess my request through my online portal.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (UT)

I reported my account to Synchrony Bank Sam's Club MasterCard back in XXXX because there was some transactions made when I was on active duty orders and I have proof showing I was on XXXX XXXX military XXXX and I keep trying to send them multiple ways through fax and through certified mail and they keep claiming they can't get my orders so now you're saying I have to pay for the fraud when I wasn't even here every time I try to contact them they gave me the same story saying they can't do anything about it and can't reopen the case they say they can't pass me to a supervisor and they can't accept any information any other way. I know they can get my XXXX XXXX XXXX because they have applied them before but now when it comes to fraud they don't want to apply them and want me to pay these purchases that were made in my home state while I was gone
Consumer complaint received 2019-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX  , XXXX XXXX , XXXX XXXX   XXXX, XXXX/XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SoFi Mortgage, LLC (WI)

Our closing date had been set for XX/XX/19 since Mid-XX/XX/2019 . Sofi received the Preliminary Closing Statement from XXXX XXXX on XX/XX/19. I asked multiple times to see the Closing Disclosure starting on XX/XX/19. The last time I heard from anyone at Sofi about the CD was on XX/XX/XXXX at XXXX CT after I had to ask yet again. I was told "It may be a bit later this evening, but it will be out today". This violates the 3 day rule we get to review the closing documents. This will cause a domino effect where we, the borrowers, need to spend thousands of dollars to move out of our current home, storage our items, find housing, pay for pet care, pay for food, then hire movers again. Between myself, my realtor, my home building company, the title company we have all reached out to management via email and phone with no response until XXXX CT on XX/XX/XXXX. The response received was confirming they will contact an appraiser and did not address any other issues. Also, Sofi does not accept any type of Escrow Agreements for new construction, which should be communicated upfront. The appraiser they hire should be looking to make sure everything is complete to report a possible problem ahead of closing. As of XXXX CT on XX/XX/19 (Friday) we do not have a Closing Disclosure for a loan that was scheduled to close on XX/XX/19 (Monday).
Consumer complaint received 2022-10-10
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: AMERICAN EXPRESS COMPANY (GA)

Reporting all companies that were never authorized to use/ my pull information. 
View the list below : 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 AMERICAN EXPRESSXXXX 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
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (DE)

I received a notice about a debt and they stated they were assigned the debt that I have no knowledge about. The letter was dated XX/XX/XXXX and that ai have 30 days to dispute this debt. I have tried contacting this company for the last 10 days without any way to reach them. I think that it is unfair to assume that this is my debt and to share my information with third parties as the letter stated
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my XXXX  I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted Transunion and XXXX  also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report