davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have discussed with thecompany before about conflicting information on my credit report when it comes to a XXXX record. They placed a public record dated XX/XX/2018 on my credit report. The company had a XXXX record showing on my report dated XX/XX/2018. The XXXX record is not valid and I could not verify what equifax verified. The court, which is the provider of information think that equifax gets there information from a third party and agreed with me that, when it comes to verifiing information it needs to come from the courts. My report is not true due to the provider of information is not listed on my report. I have a old letter that states that they do not provide information to credit bureaus unless they request the proper way. When I talked to equifax they told me they get there information from a third party and they get their information from a public database which is not how a dispute should be resolved. FCRA says all information reported on a consumer 's report should installed based on the original provider of information being able to attach that information to the consumer using basic identifying information which maybe physical documents such as a court orders from the court with a stamp of a date to show the date it was verified by the court and if it was a company who is claiming debt is owed there should be no problem for equifax to obtain contracts with signatures on it. My problem is the information listed on my report is not the place I can contact for my concerns when equifax and the provider have conflicting information. Also they are not getting information from the provider of information and they are saying they are by putting the XXXX information on my report and they clearly are not the provider. According to fcra laws my report is protected by requiring equifax to get the information from the courts since they put the information in a public database and they are not doing so. The data can have several errors and I want my information correct.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I 've been hearing from the news that randomly generated results have been provided as a part of checking to see if I was impacted by the Equifax data breach. This provides no confidence in a system that has already leaked information and waited over 2 months to inform the general public of this breach with no intention of directly informing those who 's information was compromised. This is unacceptable.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C. 1681 section 604 A It also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2021-11-17
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. (IL)

hi XX/XX/XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XX/XX/XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XX/XX/XXXX say I have good credit. What the XXXX 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 XX/XX/XXXX 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 three 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 depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2017-09-10
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. (LA)

I have written and spoken with Equifax, XXXX, and Equifax several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, Equifax removed the bankrupcy but put it back on and XXXX and XXXX did n't budge has refused to budge and continues to report this on my file.
Consumer complaint received 2017-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, the bank would then close the credit cards and afford a reduced interest, in order to pay off the balance. Three weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two XXXX XXXX cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help. Since that phone call, and to no avail, I have attempted to contact the bank or someone that could assist in reducing the interest, as stated by your agents, in order to pay off of the two credit cards, to no avail. 
The bank has committed unfair deceptive acts and practices and failed to respond in good faith and promptness to a XXXX XXXX letter sent previously " See Attachment ''
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I used Equifax 's product TrustID at XXXX XXXX XXXX to determine if I was affected by the data breach at Equifax. After entering in my information I was initially told that I " may have been impacted by this incident ''. However I then tried a credit check on several completely fabricated individuals ( with fake last names like " XXXX '' and " XXXX '' XXXX and still received the same message that these fake people " may have been impacted by this incident ''. This is flagrant misconduct and improper reporting by Equifax.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I received a notice of violation from Delaware. A state I have never been in. The photos in this alleged violation shows a vehicle like mine but the photo of the license plate is too blurry to view it. They simply made a guess and sent me the violation. This was not my car and there is no other proof it is.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (VA)

Complaint XXXX was closed by CFPB although the merchant ( Barclay 's Bank ) advised me they were still working on it. XXXX from Barclays indicated she was working on finding the incorrect address issue with the original billing. I called her repeatedly with more information, but she did not respond. The company 's letter was incorrect and reveals that either their records are faulty, or they are concealing the true nature of our conversations. XXXX 's description of my telephone calls with Barclays is false. i specifically talked with the representative about my change of address and the fact that Barclays sent the bill to the wrong address. The fact that XXXX hides this makes me think they are intentionally providing false information to CFPB.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at XXXX that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with Experian, I have had a checking account with XXXX over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks XXXX XXXX
Consumer complaint received 2022-08-10
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: Nelnet, Inc. (MI)

All 3 bureaus contiue to report Great Lakes which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted Great Lakes, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

The Credit Bureaus have not been reporting my XXXX account timely. The last reporting was on XX/XX/2022. There is no XXXX update, today is XX/XX/XXXX. The Credit Bureaus claim XXXX has not provided them with an AUD since XX/XX/2022. 
Therefore I must ask and request the following information : Does XXXX provide monthly updated account information to Experian, XXXX and XXXX? 
If Upgrade has Provided account information since XX/XX/2022 I am requesting a copy of the AUD ( Automated Universal Data., or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reported XXXX  by the same data furnisher XXXX XXXX and XXXX XXXX different accounts XXXX and Account XXXX XXXXXXXX for the amount of {$25000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2017-09-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60  days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/XXXX.
Consumer complaint received 2017-09-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/XXXX.
Consumer complaint received 2017-09-10
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. (FL)

I do n't have a clue who this account belongs to and why the heck it 's on my credit report. Please do n't use your bogus tactics purchasing accounts and placing them on my credit, your seriously breaking the law right here. I am challenging you to show me proof of the verification process. You must report 100 % accurate verifiable information.You are clearly violating the law in this case according to The Fair Credit Reporting Act. 609 requires proper verification according to established case law involving the credit bureaus so there you have please remove this account within 24 hours or I will go down to the court house and file a case on you real fast. I do n't play no games with my credit. It better be off my credit by XXXX XXXX, 2017 Wednesday to avoid court fees and civil case. 

1. TransUnion 2. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (CA)

I came upon this website looking for a loan at XXXX. I was approved by this company for {$1200.00} on XX/XX/XXXX. I was able to pay them back in a couple of paychecks, come to find out that the money they have been charging me of {$260.00} has been charged at " interest '' and a very small amount has been going to the payment for the actual {$1200.00} that I owe. For example, I have already technically paid off the loan, I have paid them {$1300.00} and they only accounted for {$150.00} to the payment of {$1200.00}. I have paid them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$260.00} each time. Also I talked to their customer service, in the last week of XXXX, and they would explain about the interest rate which didn't make sense and they never explained anything about the loan to begin with. I believe they are scamming me. I looked up at the XXXX  website and many others have said the same and are going through what I currently am. A XXXX  representative told me that they have a F rating for failure to answer complaint that XXXX  has sent. So they advised me to call the XXXX XXXX XXXX XXXX. I talked to the XXXX and they said they are scamming others as well and that it looks very bad on their end and was told that they weren't licensed to be doing this. I was advised to file a complaint to the FTC and CFPB. Now here we are. Please help
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

My loan administrator, Amerihome, sold my loan to another bank without any communication to me. I found out about the transfer after I noticed that my XXXX automatic payment had not been deducted from my account. I tried to log in to the online service for the past few days, struggling as they were having a technical glitch. I finally spoke to a customer service representative today via web chat where I was told that my loan was sold, I was provided a phone number to call at the new bank and nothing else. The representative then ended the conversation abruptly without any further information. 

I have since been able to contact my new bank and set up payments, luckily I am within the 60 day period to make my first payment so I am not subject to late payments. However, I am furious with Amerihome for putting my credit and my home at risk by not performing their due diligence to inform me of the mortgage transfer. Had I not been paying attention to my bank statements, this could have been catastrophic for me and my financial credit. 

Consumers should not have to undertake investigations to be able to comply with agreements that they make with these banks. Amerihome 's behavior is entirely unacceptable and puts consumers at risk.
Consumer complaint received 2017-09-11
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: Experian Information Solutions Inc. (GA)

XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX , Ga XXXX Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Equifax lost credit personal data in data compromise attacks. 
XXXX XXXX - contacted Equifax and placed credit freeze. 
XXXX XXXX - logged ticket with CFPB to document.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Last week, XXXX XXXX, I found out about the hacking of Equifax. There was a site given to check and see if my information was included. I went to that site and it said my information was most likely included. 
What I find most egregious is that it took a month for Equifax to share this information ; that there was a stock selling 3 days ( I think ) before the release of this information and that they are offering free credit protection service but in fine print on the agreement page there is a caveat listed that states the signer/client will not be allowed to sue Equifax in case of identity theft. The selling of the stock appears to be very fishy. Now what are we supposed to do???
Consumer complaint received 2017-09-10
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. (MI)

My name is said to be one of the millions of people that had personal and financial information hacked, in the Equifax security breech 2017. If anything should happen to my financial information or credit because of this breech, I want XXXX to be held responsible and to correct the situation.