davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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. (GA)

The first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.
Consumer complaint received 2021-06-02
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. (OH)

I reported this issue to all bureaus and nothing was done. I would like this issue to be resolved due to code 15 U.S.C. 1681c-2 Block any reporting information if the consumer identifies as information that resulted an alleged identity theft no later than 4 business days after date of receipt.
Consumer complaint received 2021-06-02
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)

I requested Experian to verify the accuracy of these three accounts on my credit report : 1. COLLECTION - XXXXXXXX ACCT # : XXXX XXXX. LATE PAYMENT - XXXX XXXX - ACCT # : XXXX 3. LATE PAYMENT - XXXX XXXX XXXX - ACCT # : XXXX They came back stating everything was accurate. 

I submitted a reinvestigation and still obtained same results. 

I then pointed out the inaccuraries on the report. All three credit bureaus are showing different information for either the date account was opened, date of last activity or month when payment was missed. I pointed these out to Experian requesting they reinvestigate these inaccuracies. 

I still received same response that everything is accurate. 

I requested to be sent proof and procedure, when/how/and with whom ( name and address ) they conducted these reinvestigations with. I never once received that information from all 3 investigations. So how do I know they really did do their due diligence? That's a violation of the FCRA laws.
Consumer complaint received 2018-03-04
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: Experian Information Solutions Inc. (CA)

XXXX and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.
Consumer complaint received 2023-01-19
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. (CA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (GA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

I had been working on cleaning up my insurance claims history file with Lexis Nexis, when I discovered it had a lot of wrong personal information. Three names ( not mine ) Multiple addresses ( not mine ). I have called 6 different times over the last 4 month and went line by line disputing misinformation, however each time the report was mailed it still had the same misinformation. The last two times I asked to have my California report deleted which apparently a consumer in California can do, but each time the report has not been deleted. I am at my wits end with this company. Also multiple times I have asked to speak with a supervisor only to have the customer service rep create a ticket for a supervisor call back ( they say within 24-48hours ), however a supervisor call has never been received. The last call to Lexis Nexis was on XXXX and I spoke with XXXX in reference to report & case # XXXX, # XXXX with consumer # XXXX.
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: Nelnet, Inc. (MA)

There are 4 student loan accounts on my XXXX, XXXX and XXXX credit files, two of the accounts have different account numbers, the two accounts named DEPT OF EDUCATION/NELNET account number is XXXX, and the two accounts named U S DEPT OF ED/XXXX/XXXX account number is XXXX. the problem is there is no phone number being reported and it says that the accounts were opened in XX/XX/2012. I have disputed these accounts with XXXX, XXXX and XXXX and for some reason they told me that the accounts were verified as accurate. I asked XXXX, XXXX  and XXXX for the original contract that has my signature on it or any documents that they might have that proves that these accounts belong to me or that proves that I opened these accounts since they are claiming that the accounts were opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want these accounts validated or deleted from my credit file.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I tried to transfer {$1700.00} from my personal checking account at Citibank using XXXX to my business account at XXXX. I used a wrong email address associated with my business account for using XXXX. The transfer failed and they are holding my money since XX/XX/2022. I have called Citibank many times. They sent me a letter that they have accepted my complaint on XX/XX/2022 but they are not releasing my money. I called them many times but they do not make my money available in my account.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance to the Fair Credit Reporting Act, which is codified in 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I, the Consumer, am writing this complaint due to inaccurate reporting of all 3 consumer reporting agencies that is XXXX, XXXX, and Experian. Under 15 USC 1681 section 623 it states " 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. '' In XXXX XXXX report it shows that I only have XXXX hard inquires 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 and Experian shows that I XXXX 17 hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This is causing much confusion due to the inquiries not matching and shows me that reports of these inquiries are inaccurate and I would like them to be removed. Not only does it violate section 623 but it also violates section 604 ( a ) ( 2 ) which states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' I have not given written instructions for these inquiries to be furnished on my consumer reports. 15 USC 1681 section 607 ( b ) also states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' there must be a maximum possible accuracy of my consumer reports across all agencies.
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX Please supply information on how you verified this account. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax, XX/XX/XXXX andXX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXXXXXX  XXXX XXXX  XXXX XXXX # XXXX
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Received a letter dated XX/XX/19 with case number XXXX for a billing dispute of {$73.00}, dated XXXX/XXXX/19 with merchant XXXX. Specifically, the letter advised to call XXXX by XX/XX/19 due to needing some missing information. Be advised, that I called this number on XX/XX/19 at XXXX XXXX, EST time and was on the phone for 7 minutes, until I hung up. Since, overseas agents are used to answer calls, the agent wasn't competent enough to locate the case number. However, Capital One has been provided with the specifics pertaining to this dispute, someone unknown to me, accessed my online account at XXXX and impersonated me. The merchant has already shut down my online account out of an abundance of caution.
Consumer complaint received 2019-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Spoke with two XXXX rep, also disputed with XXXX and Transunion and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.
Consumer complaint received 2018-03-05
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. (FL)

I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Aside from being very poorly treated during my stay, In XXXX oXXXX XXXX  my apartment unit at XXXX at XXXX XXXX flooded due to a dishwasher line busting that I was told I was not liable for. No one inspected the apartment after the flooding mold started arising in all areas of the unit. Sewer water was left sitting in my dishwasher that smelled terrible. A company was called out to dry the unit with big fans, they arrived hours later and unfortunately water had already been absorbed into the floor. The vinyl floor began lifting in result to the flooding and this was something that the apartment were well aware of. 
I reached out numerous times in regards to the move out balance they claimed I left owing them more money after keeping the entire deposit. They also claimed I owed a balance at move out which I did not. I paid every cent I owed to them once the keys had been turned in. I asked for details and specifics on the poorly created invoice that was sent and received no phone call back. I also sent a detailed email in regards but No response from cooperate or the office manager falsifying these charges. I hired a legal shield representative that sent out letters to the apartment complex and no responses were ever received back. Now I am seeing the placed it on my credit report as well as to other places such as the housing authorities and this is not accurate or right.
Consumer complaint received 2018-03-04
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. (CA)

TransUnion and XXXX are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-12-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (IN)

This company is using predatory collection tactics in order to have me repay them on a debt, that I am paying to the original creditor. I was contacted by phone from this company in XXXX of 2021. They informed me that they were attempting to collect a debt that they purchased from XXXX XXXX University. I informed the representative that I was making payments directly to XXXX  XXXX University, and I would not send any payments to them. They told me that they would review the account with the original creditor and update me on the situation. Without any previous notice, on XX/XX/2021, The company GENERAL REVENUE CORP, placed this derogatory collection account on my consumer credit report. They have falsified information about the account stating that the account was placed in collections on XX/XX/2021. I have proof that the original creditor accepted two payments from me between XXXX XXXX and XX/XX/2021. GENERAL REVENUE CORP, has violated my Consumer Rights and damaged my Credit Report with these predatory tactics. I demand the immediate removal of this false account.
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: American First Finance, Inc. (CA)

I have been having problems with American first finance. I have paid off in full both my accounts one was {$440.00} and {$450.00}. They have not reported it the credit bureau and im not happy. I had to call two months ago because they werent reporting my payments .Why should i have to call them to report that I have paid these accounts off. I did part and paid in full and even early.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Experian has been non-compliant and didnt complete the dispute in 30 days. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Experian. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am not swayed that EQUIFAX has investigated this account properly. Their investigation of this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which was so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both EQUIFAX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX  XXXX XXXX  XXXX XXXX Date opened XX/XX/2014.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.