davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

After careful examination of my financial records, I have discovered that a debt, which was previously reported by XXXX Department of Education Servicer has been forgiven. In accordance with the provisions of House Joint Resolution 192 ( HJR 192 ) passed in XX/XX/1933, I am seeking properly dispute on my credit file. 

Experian Credit Reporting Agency is reporting my student loan as having " no data for this period, '' while the loan has been forgiven. 
Experian has indicated that the debt has been verified and reported as accurate on my credit file. 
In accordance with House Joint Resolution 192 Policy, all debts have been paid in full, including the student loan that has been forgiven. 
The reporting of " no data for this period '' is causing confusion and adversely affecting my creditworthiness. 
The conflicting reporting of the student loan status is damaging my credit profile, and I request the immediate correction of this information on my credit file
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear CFPB, I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX, and reports account type under the XXXX 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$740.00} on the credit report shows {$740.00} 4.Delete this account, because it shows an incomplete account  number. Correct account number # XXXX ; on the credit report shows # XXXX 5.Delete this account, because it shows Account  name XXXX XXXX, and on a different report shows XXXX XXXX XXXX Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )
Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (UT)

I opened an account with Washington Mutual in XXXX XXXX. My last statement with WAMU was on XXXX XXXX, Chase Bank had bought out WAMU. 
Chase raised my interest rate from 8.95 to 10.24 and also dropped my credit limit from {$4200.00} to {$4000.00} when I was close to that limit. 

My Chase account was closed on XXXX XXXX. Amount on my account at the time was {$4000.00}. For 4 months after my account was closed, interest and fees totaling {$390.00} were added. My credit report showed that Chase " charged off '' {$4500.00} which is {$140.00} more than what they reported was " charged off '' and {$530.00} more than what my account was closed with. 

I had spent some time in the hospital and was trying to work out my debt with Chase. I asked them to change my due date to XX/XX/XXXX, since that was when I was paid. The Chase employee told me that " I was wasting their time making minimum payments ''. 

Chase sold my account to XXXX, a collection agency. The first letter I received from XXXX was in the amount of {$5200.00}, which was a lower amount on my credit report. 
The {$5200.00} is {$760.00} more than Chase had " wrote off '' and {$620.00} more than what Chase had reported was " charged off ''. XXXX should of never been able to add that much. I was n't using the card and the amount on the card was going up faster than when I was using the card. I dealt with XXXX and they took their name off my credit report. 

Chase reported 2 times and XXXX reported 1 time. This was XXXX strikes against me and I was a homeless Veteran for 36+ months because of this error and lack of communication. 

Chase claims they " report accurate information '', I guess more than one time, if they choose.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

In XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a hard inquiry from XX/XX/2018 on my personal credit when I have a XXXX XXXX XXXX. I want to have this inquiry removed. From Bank of America
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

An account with XXXX XXXX XXXX is showing on my credit report through Experian and it is not accurate. I contacted XXXX XXXX and they agreed to remove the item from my reports however Experian has yet to update their files.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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. (MN)

I have reviewed for my first time my Credit Reports and i have noticed that since XXXX  i had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.I have always paid my bills on time on all of my accounts and I have never been late on payments for the XXXX XXXX  account XXXX. Please investigate so that they can provide Proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX
Consumer complaint received 2018-03-18
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)

On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (RI)

Apparently on XXXX XXXX Rushcard upgraded to a new software system. Since that time my card no longer works. My deposit that was sent last week still has not been posted to the card. You ca n't reach customer service you wait on hold for over XXXX hours and then they hang up on you. My balance keeps going down even though I have been unable to use card and my {$400.00} direct deposit still has not been posted. I 've called, emailed tried XXXX everything you can think of and no response. The one time that I did get through I was told they were working on the problem and they had no further answers. I asked to speak to a supervisor they put me on hold for another XXXX hours then hung up on me. I just want my money along with everyone else that I am sure you have heard from!
Consumer complaint received 2015-10-15
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

I received an email from Rushcard stating that they will be performing maintenance on XXXX XXXX, 2015 and I will not be able to access my account. As of today I still can not access my account and my paycheck was sent to Rushcard via direct deposit but my account still shows {$0.00}. No one will answer the phone and sent a message stating that the update failed.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-02-14
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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (VA)

My current credit report indicates 6 late payments. They are all attributable to Mr Cooper ( previously NationStar ) reporting which was the servicing entity for my mortgage at the time. 

In XX/XX/XXXX, I contacted Mr Cooper Customer Service to discuss my concern about receivables that were affected by the government shutdown would delay payments which would directly affect my ability to make a timely mortgage payment. I was instructed to make what payments I could and they would work with me. I missed the XX/XX/XXXX payment deadline because of the receivable payment delay, but made extra payments and was completely caught up by XX/XX/XXXX. They reported late payment for months 1, 3, 5, 7 and 8. Payments were made within the 30 days of those months, but the " late '' amount from XXXX was not fully caught up. When bringing to their attention the missing months of 2, 4 and 6 of this process, the responses was that their " system '' generated the credit reporting and nothing could be done. All the other subsequent months reported were a result of Mr Cooper 's application of received payments starting in XX/XX/XXXX, so the monthly payments were made and received within 30 days of due date, including associated late payment fees. So there was no ability to provide the reason for the subsequent monthly reporting entries made. 

In XXXX and XX/XX/XXXX, the sale of the property administered by Mr Cooper was under contract to be sold with a closing date of XX/XX/XXXX. During this time, the title company was in contact to determine loan payoff for the purpose of clearing title at closing. Title company submitted payment for remaining balance of mortgage to Mr Cooper, via XXXX, on XX/XX/XXXX but was not processed until XXXX. Initially, Mr Cooper reported XXXX as being late, but then agreed to address the error. They addressed it by making the XXXX payment late since it didn't get posted until XXXX. Property was closed on XX/XX/XXXX, title company forwarded payment based on information from Mr Cooper, but account was still reported as late because payment in full was not posted in XXXX.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (IL)

RushCard is full of it never again im going through the same thing again ive been on hold for over an hour waiting on a superviser to answer a question concerning my money, because the customer service person said the computors are down, they must think im stupid, if you cant get into the computer how jhowbin the XXXX the supervisor gon na get into the computer, im still on hold, this is the last tim this is gon na happen l just sent my employer my new direct deposit info which ive had the account all thr time. Why did you have to change banks? For whatever reason it was to benefit you and not the consumer, youre making money of our money. Should have stayed with XXXX. Your debit card system is no good.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (AZ)

The debt in question is in dispute, and according to the Fair Credit Reporting Act, National Credit Systems , Inc. has stated they reported this debt to all XXXX credit bureaus in the latest letter we received. Once more, we gave evidence to show them per their request, the issues surrounding our " special '' circumstance as to why we no longer live at the address in question. Instead of handling and actually looking into the matter, we got a " robo '' letter with changed dates from one of their many locations of their company sent to us with the same explanation as to how they do not see sufficient evidence to validate our claim. I believe we are fighting with a computer and not an actual company. I believe now I am going to have to fight back and take action, and I am beginning with you. They must comply with the Fair Credit Act and take us off the credit report. It is against the law when a consumer is disputing a debt to still report a debt. I am sure the fines they would get from the government for this would outweigh my debt tenfold.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (KS)

I presently have a credit card with XXXX XXXX in XXXX, Kansas at a fixed rate of 6.90 %. XXXX is no longer going to service the card, but instead is having the card serviced by Elan. I received a letter with the following clarification statement : " Will my interest rate change? 
No, your current rates and terms will transfer to your new account. '' Today I received a letter from Elan stating that the rate would be a 6.90 % variable rate. I have contacted both XXXX and Elan and both state that they can not do anything about that rate change. 
As there are a significant number of cardholders impacted by this change, and many will likely have similar rates, this is going to have a negative impact on a large number of consumers.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, I am currently trying to purchase a home and my credit been hit numerous of times Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. This information is inaccurate and need to be addressed. Please correct information concerning all these inquiries. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

National Credit Services is showing on my XXXX Report that I still owe {$440.00} to XXXX XXXX. There was a separate negative account showing on my Credit Report XXXX XXXX that controls XXXX XXXX that was satisfied and dismissed thru XXXX County Magistrate Office File number XXXX I contacted National Credit Services that this collection they are attempting to collect was dismissed and satisfied from XXXX County Court They have refused to verify and remove from my credit report they keep saying it is my responsibility to prove my case I believe I have done so with the report number being given to them and with XXXX credit bureau XXXX did nothing but remove XXXX XXXX Courts showing the account was satisfied that collection was showing XXXX XXXX and the National Credit Service shows XXXX XXXX -- - They are both the same company This collection is having negative effects on me I have proven my case but no one wants to remove this my credit report
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I was force to move out my apt early because the neighbor would complain about my visitors so I did and I pay my last month rent but than I check my credit and they charge me {$940.00} never sent me a letter in the mail for what these charges were for so when I called they said I owe this amount and I asked how if I pay my rent for the 30days I was there because they made me moved and I did n't even get evicted
Consumer complaint received 2020-10-19
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. (KS)

I have 2 XXXX XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all three bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.
Consumer complaint received 2024-01-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX  XXXX XXXX, Account number : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX XXXX  XXXX XXXX, Credit Report : # XXXX, Credit Report : # 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.