davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.
Consumer complaint received 2019-03-18
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. (NY)

To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.
Consumer complaint received 2018-03-06
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: U.S. BANCORP (SD)

On XX/XX/XXXX I received a copy of my credit report from my Credit Union ( pages 1-2 enclosed ) after I was denied credit from XXXX XXXX XXXX   because of a false and erroneous citation by US Bank to a Credit Agency. That same month I contacted US Bank to open an investigation to correct the  erroneous citation, which was settled with the creditor in XXXX! 

My credit report shows an open unsettled past due balance with US Bank of {$6700.00}, but that is in error. Please see the enclosed settlement letter. 

Not only has my credit history been injured, but US Bank has continued to be very dismissive in trying to correct the problem. I have had no response from them since XX/XX/XXXX, after making several more calls as recent as XX/XX/XXXX, for which they only acknowledged that they see that a file was opened ; but absolutely no progress has been made. 

I have suffered substantive punitive damages and I think it only right to be financially remunerated for this damage in addition to have my credit record back dated and corrected. I believe that this infraction needs to be recorded against US Bank as due retribution. I am currently in the process of trying to purchase a dry cleaning franchise but I am impeded by US Banks continuous apathy and sloppy practices. 

I am very angry about these big banks receiving all these bailouts and then US Bank XXXX XXXX CEO XXXX XXXX resigns in a scandal. It seems like the system is rigged!
Consumer complaint received 2018-02-15
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. (WA)

PLEASE HELP ME!!! 

Trans Union actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am XXXX XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; XXXX XXXX ; TU XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; XXXX XXXX ; TU XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. Clearly an error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. Clearly an error. 
please delete XXXX XXXX XXXX XXXX  XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information
Consumer complaint received 2021-03-01
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

IQ Data International, INC Account : XXXX I never had any contracts, businesses or anything to do with this company, They claim that I owe them {$9800.00} and that they validated the account which is 100 % a BIG lie. Show me that I had a legal contract with YOUR company otherwise by law you have to delete this from my credit report. I know that you can't prove it because you know very well that I've never had an account or any legal contracts with you. Therefore you have 20 days to delete this from my credit reports that you ILLEGALLY and without my consent had reported to my report.
Consumer complaint received 2022-12-15
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. (HI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2021-03-01
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. ()

Good morning After recent checking my XXXX  credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquiries XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX  XXXX from XX/XX/XXXX All Bank
Consumer complaint received 2022-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc. (CA)

There is a collection account on my credit files that is fraudulent and currently reporting by XXXX XXXX. This account XXXXX {$220.00} is reporting on my report via XXXX XXXX. I have attached the FTC Identity Theft.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for riicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on Experian, XXXX, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.
Consumer complaint received 2020-01-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I am enrolled at XXXX and XXXX XXXX XXXX in XXXX, IL as of XX/XX/2020. Navient refused to place my loans in an in-school deferment even though I meet all of the requirements and I am taking the amount of classes needed to qualify for an in school deferment.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I paid off my debt to XXXX XXXX XXXX XXXX XXXX Acct # XXXX with a balance of {$6900.00}. 

I will provide proof of payment and screenshots confirming I paid for this below.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On XX/XX/2021 I over paid my credit card by {$490.00} trying to pay off the balance. On XX/XX/2021 I contacted Citi Bank to request a refund on the over payment. On XX/XX/2021 Citi Bank claims to have initiated a refund of the over payment. 
Around XX/XX/2021 I again spoke with their customer service dept saying the refund check had not arrived. They verified that a check had been issued and mailed, but not cashed. They said they would reissue a replacement check and promised to expedite the process. Now almost another XXXX weeks have past and still " the check is in the mail ''. I find it ironic that they are able to slap a consumer with a late fee and charge interest if you fail to pay them promptly and when promised, but they can claim the excuse the Post Office must be to blame because of the Covid19 pandemic. Very convenient.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

see attachments why CFPB was setup please do not let this great system go away its protecting US Citizens helping us against the Bigger Companies : please fix all the FTC, FCRA, unauthorized Inquires, please see the good accounts paid in full that they dont list but, Just report the Negativities on a USA Citizens ... ... ... ... ... ...

Do they Company have United States BEST INTEREST at HEART!!!!
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (NV)

On Tuesday XX/XX/2018, I received recurring harassment calls from Phoenix Financial. This collection agency called me four times back to back that morning initially just calling and suddenly hanging up before I could answer. When I attempted to call back I spoke with a rep who failed to provide her name ; stated that I had reached a company called Phoenix Financial and they were trying to reach a woman named " XXXX ''. I explained that they had called the wrong number at which point the rep advised that she would remove my number and then she abruptly hung up. After that initial call I received a total of five more calls from this same number. I was at work and I unable to answer or leave my desk. Shortly after I called the company back and demanded to speak with a supervisor ; a man who refused to provide his name was very rude and indicated that he refused to help me because I would not provide my name and ssn # information. I explained that I did not want to provide that info because I didn't have any business with their company and I had already advised previous rep that they were calling the wrong number. At this point the man hung up. I called back and spoke with someone named XXXX said that he was a supervisor stated that he would not help me because I was recording the call for evidence to support my complaint against them at which point this " supervisor '' hung up on me again. I called back a third time and spoke to some named XXXX XXXX who advised me that he was in fact the floor supervisor and not the gentlemen " XXXX '' that I had spoken to before. I told him that I was being harassed by his company and nearly 9 calls had come to my phone just within the last couple of hours. At this point XXXX XXXX acted as though he didn't know what I was talking about ; says that they were not in fact looking for someone for " XXXX '' now he was referring to someone name " XXXX ''. I explained that I didn't know either of these people and prev rep had already been advised that it was a wrong number at this point I felt that the entire situation was a scam because a lot of mixed information was being provided not only regarding who they were looking to speak with but also how/why my phone number continues to be called. XXXX XXXX chose to argue the fact of the recurring calls ; I explained that I know the law behind fair debt collection practices ; FDCPA and HIPPA. The gentlemen did not assure me that my telephone number would be removed nor did he apologize for the harassment. I advised that I would be filling a complaint and ended the call.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (VA)

RGS Financial is attempting to collect a debt for internet service that it didn't even attempt to validate. They claim the original creditor is XXXX XXXX. This is the second debt collector that has appeared on my creditor report via XXXX XXXX regarding such an item. I have NEVER used this service. I have been using a different Internet provider for the last 9 years. This is second debt collector REMOVED it after it was not able to validate it. NOW RGS without even attempting to write me have just placed this collection on my credit. Absolutely NOT MINES.
Consumer complaint received 2022-09-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I am requesting an Official copy of my transcripts digital or otherwise. I have requested repayment options I can work into what money I dont have. I was made aware of a private loan I was not aware of. I was under impression all my debt was already consolidated. I feel scammed this college had commercials come in & will get you going no money to start. I feel like I was handed my text books and I thought I was signing for my books and I'm signing into student debt. And I need my transcripts to get my degree so I may pay off my debt.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX score was reduced XXXX points on Equifax. I called Equifax to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.
Consumer complaint received 2021-12-01
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. (TN)

Both XXXX XXXX and Equifax refuse to correct the status indicator that is currently reporting a charge off on this very old closed paid in full account. I was told by a supervisor XXXX at XXXX XXXX and XXXX at Equifax that they will not fix the incorrect status indicator being reported as a charge off. I am trying to close on a house and both parties are blaming each other for the inaccurate information being reported on my report. Neither supervisor tried to resolve the problem that has been reported several times or that I was going to file a formal complaint in this forum and with my state attorneys office. I have provided Equifax with letters from XXXX XXXX stating that the account is paid in full and the status indicator should reflect as such and they have chosen to ignore and report the inaccurate information. XXXX XXXX has provided no assistance to resolve the problem outside of sending me a letter stating they have informed Equifax of the status indicator being wrong and telling me they will do nothing else and I need to contact Equifax who also told me the same thing I need to contact XXXX XXXX.