davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$320.00} ; XXXX XXXX  XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX Inquired on XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show NR, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show NR, until XX/XX/XXXX when it should show pays as agreed, then should show NR for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.
Consumer complaint received 2022-02-16
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. (TN)

I filed a dispute with the credit bureau because the debt being reported is old and statute of limitations has run out. However the creditor has changed the dates to make it look newer. But when I disputed it the credit bureau didnt change anything and said the debt was valid.
Consumer complaint received 2022-02-16
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

1. In XXXX 2016, Fifth Third Bank provided me and my husband with a prequalification letter for a construction to permanent mortgage loan on our primary residence. After notifying them at the end of XXXX 2016 that we were ready to proceed and supplying them with sufficient info for an application, we did not get a loan estimate until the end of XXXX. 
2. Without our knowledge, our loan application was made inactive by Fifth Third even though we were actively communicating with our loan officer for an XXXX XXXX closing date and repeatedly being told the loan closing was on target. Construction on our home had been scheduled to start the day after closing. Five days before the target closing date, our loan officer informed us that the closing would not occur on XXXX XXXX and our file had become inactive due to Fifth Third not setting up our contractor in their system. We were told by our loan officer and her direct manager that the only way we could proceed with a loan from Fifth Third was to reapply. All scheduled construction work had to be halted and our project was delayed through no fault of our own by 7 weeks.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (CA)

I wanted to buy a home.I shopped around a lot for the best rate.I authorized 3 companies to pull my credit. I went from an 814 credit score to a 740. I have no debt except the house.Several companies pulled my credit after I specifically told them not to as it would affect my XXXX score for some reason I do not understand.XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were not authorized.One online one I closed the page the minute they asked to run my credit & they still checked my credit.Its a way to ruin our credit to make a higher interest rate.
Consumer complaint received 2016-05-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: STUDENT ASSISTANCE FOUNDATION (WA)

my loan was in a hardship status while I went through a bankruptcy last year that discharged XX/XX/XXXX. I was unable to make the {$350.00} payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was waiting for a new tax return to come back because I also had to go through a divorce that finalized in XXXX of XXXX. I asked them if there was any way I could get an IBR that would catch up my past due so that I could make reasonable, on-time payments. They sent me the IBR that lowered my payments to {$57.00} a month. I could make those payments and also paid additional totaling a {$100.00} a month for XX/XX/XXXX, XX/XX/XXXX and going forward was the plan. They told me I had exhausted all deferment options and that the past due could not be updated and that my loan, even with the additional amount I was paying was going to default XX/XX/XXXX. I was then instructed to resubmit an IBR and if my payments were lower, they could forgive my past due. Why was this not an option the first time, I do not know, but instead my payments increased then to {$120.00} and still " no past due deferment ''. Which made my situation even worse than before. I am a single mom, with a XXXX child, other than sacrificing her care by being gone more than XXXX hours a week, I am simply unable to meet their demand for {$1300.00} past due by XX/XX/XXXX in addition to the increased payment from {$57.00} to {$120.00}. They would not allow me to cancel the last IBR request that they suggested that would help me and it only harmed my current situation. I have a student loan debt for {$30000.00} + w/an 8 % interest rate and I am XXXX years old. The degree is a travel management degree from a private school that shut down shortly after my graduation. The degree is essentially worthless because it is non-accredited, the school is non-existent. The Student Assistant Foundation in Montana has not offered any solutions that have helped, only made my situation worse and said to look forward to continued calls and even more fees after default occurs. I have asked the ombudsman for help and they offered no solution or help on their end. I feel like I am in a no win situation and soon they will garnish my wages and take my taxes every year once this default occurs. I have no faith in the system at all. I know that I can make their {$57.00} payment, and even make their {$120.00} demand but I can not simply come up with {$1300.00} by XX/XX/XXXX. I need someone to help me figure out a way, if I had n't had to file for bankruptcy and divorce all in one year, I may have had an opportunity to stay on top of this, but it was n't an option for me unfortunately.
Consumer complaint received 2023-04-17
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Financial Credit Network Inc (CA)

Fin Crt Nwt Accounts # XXXX & XXXX, are the same accounts. It was on their as XXXX separate accounts at one point. I requested them to be looked at XXXX months ago by credit bureau as duplicates. Financial credit and I have been going around for years. I pay an account. They claim it was for a different account. Give me every excuse in the book why I 'm wrong. I paid on a different account. Then they Make another account look like its a new account when it 's well over XXXX years old if not longer. XXXX women collections staff members are very unprofessional. Talk to you rude and very disrespectful. I had to stop answering my phone due to them raising my XXXX XXXX and getting angry.
Consumer complaint received 2015-10-08
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Dynamic Recovery Solutions, LLC (GA)

Dynamic Recovery Solutions has been pretending to be a law office and harassing myself and my family by calling our cell phones and leaving threatening voice mails on a regular basis. They insist that I call them back over a complaint that has been filed against me or that they will serve me at work.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

Wednesday, XX/XX/2022 Re : loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX : Your research did not yield correct data. You will find in my response to your latest fabrication of the truth that your data shows you and PHL, LLC are misrepresenting the truth once again. 
You and Planet Home Lending , LLC continue to lie and misrepresent and consequently are willingly destroying the credit of the three mortgagees that are on the aforementioned loan held by Planet Home Lending , LLC. 
Correct your data ; send a letter of acknowledgement to me, XXXX and XXXX XXXX ; send a letter to CFPB acknowledging your lying, false reporting and knowingly harming your clients. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX   XXXX, XXXX XXXX, XXXX XXXX  XXXX,
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (IA)

Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Iowa XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (HI)

MADE A PURCHASE OF JEWELRY IN XXXX ALASKA IN XX/XX/2018 XXXX XXXX. WE WERE GIVEN A VERBAL AUTHORIZATION TO RETURN THE WITHIN 2 MONTHS WITH NO QUESTIONS ASKED FOR FULL REFUND. AFTER A MONTH WHILE TRYING TO RETURN THIS ITEM, IT WAS THEN STATED TO ME THAT THE AMOUNT WOULD BE ONLY OFFERED IN A STORE CREDIT. THIS WAS A LARGE AMOUNT, AND I WOULD NEVER USE IT ANYWAY. I DON'T KNOW HOW I QUALIFIED FOR THEIR STORE CREDIT CARD AND THE LIMIT. IT IS RIDICULOUS! BEEN THROUGH COMPLAINTS WITH THE XXXX AND THE AG OF THE STATE OF ALASKA, AND ALSO WITH COMMENITY BANK. NOTHING HAS BEEN AUTHORIZED FOR A RETURN FOR REFUND. WE WERE ON A CRUISE, WITH TIME CONSTRAINTS AT THE PORT. WE DIDN'T HAVE TIME TO READ OVER THE WHOLE CONTRACT OF PURCHASE DUE TO LEAVING SO QUICKLY. THE SALES MANAGER PRACTICALLY FORCED US TO TAKE THE ITEM. I HAVE CONVERSED WITH HIM, AND HE NOW HAS NO RECOLLECTION OF WHAT HE TOLD US, ONLY WHAT THE STORE POLICY IS. NEED ANY TYPE OF HELP. I JUST WANT TO RETURN THIS ITEM. THE BANK HAS ALREADY THREATENED ME THAT IT HAS CLOSED MY ACCOUNT, AND WILL BE SENDING THIS TO COLLECTION.
Consumer complaint received 2019-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

There are two inquiries that were placed on my credit report on XX/XX/XXXX from KOHLS/CAPONE and on XX/XX/XXXX from CABELAS/XXXX, I sent the credit bureaus a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All that I received from XXXX and XXXX was a copy of the credit report saying that this company verified or validated these two inquiries. What I received from the credit bureaus is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, this applications were submitted fraudulently.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Consumer complaint received 2023-04-14
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. (CA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also speak to my lawyer and file a lawsuit!
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I would like to dispute 5 late payments from XXXX/ which are located on my credit report. The account was opened on XXXX XXXX 2013. The late payments are 30-day lateness listed in the months of XXXX, XXXX, XXXX, XXXX. I did not make any late payments and I request that they be removed.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.