davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out XXXX account on EQUIFAX account numbers that I did not recognize, The XXXX account with Unknown account that are not mine and they are on my EQUIFAX credit report, alleged account # : XXXX
Consumer complaint received 2023-01-03
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In submitting this complaint, it is my intention to follow up on an issue related to my being a victim of fraudulent activity. After visiting the Federal Trade Commission website at https : //www.ftc.gov, I filed a complaint, as required by FCRA Section 605B , under reference # XXXX, which mandates that Credit Reporting Agencies must remove any items listed in an FTC complaint. Attached are documents aimed at facilitating the removal of erroneous information and inquiries from my credit reports. The following is a list of items opened without my authorization : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- EQUIFAX : 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as resulting from fraudulent activity within 4 business days of receipt of such notice.
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I do not meet the minimum requirements for federal student-to this day. The Department of Education confirmed. The information was sent to XXXX XXXX, the DOE, Federal Aid, and XXXX XXXX. All have agreed and confirmed that I was wrongfully granted aid. And that Navient overcharged and failed to provide documentation to support the loan amounts they were collecting and reporting on. I just received bills that I'll be forwarding to all of the above and the Attorney General-acting on my behalf.
Consumer complaint received 2022-05-02
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. (TX)

On XX/XX/2022 i've disputed erroneous information on my credit report with Experian. 
They refuse to investigate the matter. 
Account : XXXX XXXX # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under XXXX XXXX XXXX XXXX XXXX XXXX.States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (NC)

Account all of a sudden displays {$0.00} credit limit, but I haven't closed the account. Called the bank using the number on the back of the card and they said it has been closed for over a year ( it hasn't! ) and they can't re-open because it has been more than 180 days. 

The XXXX statement still has a credit limit on it, which is less than 180 days ago, so the person on the phone is obviously telling a lie. Also I didn't close the account!
Consumer complaint received 2022-01-19
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: Nelnet, Inc. (TX)

I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.
Consumer complaint received 2018-03-11
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. (GA)

Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (ID)

My wife and I have good credit, and no outstanding debts from any source that I'm currently aware of. 

I'm aware of Convergent Outsourcing Solutions, and their debt collection agency, so when they called ME and asked me to verify MY information, without any hint as to why - I grew very suspicious. I asked for their phone number ( XXXX ) and her Supervisor XXXX XXXX XXXX XXXX. I asked what the nature of the call was about and she said it was about " private business matters '' and became pushy. I told her I wasn't interested in confirming identity unless I knew the nature of her business, to which she rambled for a moment claiming legitimacy of her company. She still would not answer my questions about the nature of the call. 

I hung up, and told them not to call back.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (GA)

Due to Hurricane Irma, Planet Home Lending, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe XXXX.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had made two transfers of XXXX $ and XXXX $ Through XXXX and XXXX  using my checking and savings accounts on XXXX XXXX to put a security deposit on a single family home. It turned out to be a scam and I called Wells Fargo XX/XX/2021 as soon as I realized. I filed two claims for these two charges and was told that would be refunded. When I just called XX/XX/2021 to get an update on my claims, I was told they were not going to refund that money. I was on the phone with Wells Fargo for an hour being transferred every 5 minutes with not one person being able to come to a resolution. I also filed a police report to report the scam with my local authorities on XX/XX/XXXX. I also do have the case number if needed. This report also had an identity theft scam as well. In regards to the home that was being listed was also a homeowners legitimate home and the scammer was using his property and full name to " rent '' me the property.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these items.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I sent the credit bureaus letters asking them to verify the debt on my credit report. they sent back stating that everything is verified correctly. my credit report ar still showing inaccuracies. 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
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Capital One Venture X account. I filled out the application and I was approved for the card. There was a welcome bonus on the card of XXXX miles if I spent XXXX dollars in the first 3 months. Right when I was at XXXX, they flagged my account and asked for 3 months of bank statements. Upon review, they concluded that there was an inconsistency in my income coming in and the amount that I had listed on the application. I verified with the representative that the amount that is supposed to be listed on the application was my gross annual income. Yet, they only consider the amount coming into my checking account, without accounting for tax withholding, retirement contributions, and money routed to other accounts. They charged me for the annual fee, which is XXXX dollars, when they closed the account after a month. Their policy states that customers can not use paystubs as verification, but only bank statements. This is predatorial behavior.
Consumer complaint received 2019-10-22
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)

Equifax is reporting incorrectly a balance of {$6800.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (MN)

I went to deposit {$290.00} through a US Bank ATM into my account and right after depositing the money into the machine, the ATM shut off before giving me a receipt. It said this atm is out of service. I contacted my bank right away and filed a claim. They said theyd check the count in the ATM and they got back to me saying the claim was denied and there was no miscount in the ATM. They also refuse to show me camera footage and said theres nothing else I can do.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

Here is the THIRD written formal complaint/DISPUTE to US Collections West and XXXX at XXXX XXXX XXXX XXXX for encroaching my rights as a consumer with multiple violations of False and misleading statements and attempting to collect on a debt amount that is not owed. 
I am disputing the following : The lease was terminated early due to a domestic abuse situation with my ex that took place at the apartment. The apartments were notified and given a copy of the police report and protective order ( that the Town of XXXX filed for me ) and the collection agency was too. 
The date on my written move out notice was changed to a month later without my knowledge/approval/initials. 
The eviction mark on my credit report. 
EVERY outstanding charge ( which I have already requested an itemized break down in writing on XX/XX/XXXX and was told by the apartments the records were in storage! ). 

To further add, I submitted my first written dispute in XX/XX/XXXX and received NO supporting documentation or even a sufficient resolution/explanation to the dispute. On XX/XX/XXXX I was provided a print out of an email from the apartments simply stating we verified the balance is still due for apt # XXXX. Completely bypassing the detailed dispute letter sent in XX/XX/XXXX that included the points above I am disputing. 
Then, XX/XX/XXXX I receive a letter from an attorney retained by US Collections West stating I am going to be sued for {$2800.00} unless I dispute the validity of this debt in writing they will assume it is valid ( I just did this in XX/XX/XXXX ). So on XX/XX/XXXX I submitted in writing via email to XXXX and a XXXX XXXX XXXX, XXXX who on her email signature states she is the Assistant Community Manager to XXXX XXXX ( apartment complex we are discussing ) re-disputing these remaining charges who she told me the records were in storage and XXXX hasn't responded or even acknowledged they received my dispute and are working on a resolution. I paid {$1800.00} in XX/XX/XXXX that was advised by a representative US Collections West ( which wasn't even the correct amount and have emails to prove that as well ). I have tried to make this right, but both the collection agency and the apartment complex are violating many rights as a consumer.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/2017, I sent  goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A. (MN)

On XXXX XXXX 2019 a rep from Messerli & Kramer PA stop at my parents address and talked to my sister and asked if lived there. She informed them that I do not currently live at the address. Then was asked if I would be there any time soon, she told them she was unsure. The rep then handed her an open letter which was a communication from a debt collector. Giving the name of the original guarantor, name of the collection agency, notice that I was being sued and my name on it. Even after my sister told him several times that they where at the wrong place and should give this directly to me.
Consumer complaint received 2020-01-28
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. (VA)

This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ 1- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.
Consumer complaint received 2018-10-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XX/XX/2018 I sent my first dispute letter to TransUnion. In the letter I requested that they send me copies of the documents that they have on file verifying the accuracy of the accounts I listed. I have send a total of 4 letters and they refuse to send me proofs or delete the accounts.