davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XXXX, XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Consumer complaint received 2020-05-30
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. (MD)

this is reporting incorrectly my account. should be remove. XXXX XXXX XXXX does not belong to me XXXX/XXXX XXXX XXXX   Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX, XXXX Amount {$0.00} {$28000.00} XXXX XXXX XXXX Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type RevolvingBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00} XXXX XXXX 'S XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$65000.00}
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I first tried to obtail my free annual credit report online at XXXX. I answered every question that was asked including giving my Social Security number. The online response was that they could not identify me and gave me a phone number to call XXXX. 

I called the number and answered all the questions asked including my Social Security number. in late XXXX I received a letter informing me that they were unable to honor my request for a free annual credit report because I had not provided sufficient information for them to verify my identity. 

I followed the save procedure for XXXX and they were able to send my free annual credit report.
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

On several occasions I have written to get Midland Funding to prove the validity of their alleged debt showing up on my credit report. I am including original letters dated XX/XX/XXXX and XX/XX/XXXX I have many more letters which I could produce. I have also written to the credit bureaus asking for their help. To date, no one has responded. Unless someone can produce documentation showing that the information being reported is 100 % accurate and 100 % verifiable, it must be removed.
Consumer complaint received 2022-02-14
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. (TX)

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original Credit Inquiry Authorizations with my signature . If you cant provide me with this information, please remove the attached list of Inquiries immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Consumer complaint received 2017-12-29
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: JPMORGAN CHASE & CO. (MN)

I have 2 hard pulls from XXXX XXXX 16. no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion in XXXX regarding the inquiries showing on my credit report for accounts that I have never seen before and I advised the telephone agent I was a victim their inquiry issue and false information has starting to show up. The phone agent advised that I wasnt effected and the dispute is not valid due to the amount of time the inquiries have been posted to the report. The agent declined the opportunity to assist me.
Consumer complaint received 2017-12-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (FL)

ALLIED COLLECTION SERVICXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX(XXXX) XXXXThis company is not licensed in Florida. Cannot be on my credit report and needs to be removed!
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I reached out to the collection company, Portfolio Recovery, in XXXX to obtain information about the debt and contest it because dates and charges did not make sense to me. Instead of removing suspicious charges ALL MADE BEFORE XXXX they falsified reporting on the debt to reflect that it was opened in XXXX so that it would stay on my record longer. This is 100 % a lie. This debt is at least XXXX XXXX XXXX and should soon be falling off my record soon but wont because of falsified reporting done by Portfolio Recovery. I never admitted to ownership of the debt or talked about repayment when I contacted them in XXXX so the debt should not have been restarted at that time.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and Transunion are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.
Consumer complaint received 2019-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (WY)

I checked my credit and noticed a negative account from Convergent Outsourcing in the amount of {$160.00} for XXXX. I have never received an notice about this debt, nor the right to dispute according to the fair credit debt reporting act. I did not owe XXXX a final bill as all bills were paid before the service was disconnected.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

The only way to protect myself after the XXXX breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX  I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. XXXX XXXX
Consumer complaint received 2018-01-01
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. (NY)

I started a online dispute with Equifax, and the experience has been horrible. I received a dispute confirmation # XXXX. I explained to the company that I did not authorized any credit checks. I also explained I notified each company and havent received a response. I asked Equifax if the inquiries records are correct show proof that I did. I also tried to explain there several people in the same household with the same name and dob. Once the dispute was generated within hours I received a confirmation stating all the inquiries I disputed are correctly report. How does a company conduct a investigation into so many inquiries that quick Dosent make sense seems like no live person looked into my dispute sounds computer generated.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed disputes online with Equifax on 4 different accounts on XX/XX/2019. I received repeated confirmation emails on each dispute from Equifax, each email included confirmation numbers. I called Equifax 2 weeks ago to inquire about the disputes and referenced the confirmation numbers. I was told the dispute wasn't resolved yet and could take up to 30 days. I called Equifax on XX/XX/2019 and was told that I never filed any disputes, I had only added a comment to each account showing on my Equifax report. There is not even a section on the Equifax website to just add a comment to your account. I know I filed a dispute on each account because I called Equifax and asked specifically for each account number they have listed on my credit report. When I filed the dispute online I entered each account number on each dispute. In total I filed 5 disputes that day. One dispute was removed from my report, but Equifax is telling me I only filed comments on the other 4 accounts, not disputes. They told me I would have to file a dispute with them over the phone as we were talking and I would have to wait ANOTHER 30 DAYS for the dispute to be resolved. The Equifax supervisor repeatedly told me they do not have any knowledge of what is on the Equifax website and that they can only help with online disputes. I found the phone number for Equifax on the Equifax website. Which is the number I called and this is the information I was told by Eqiufax supervisor. Out of frustration and anger I filed refiled 4 disputes over the phone with the Equifax supervisor named XXXX on XX/XX/2019.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (TX)

I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( XXXX ) XX/XX/2020 XXXX/XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX reported on ( Experian ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( Experian ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Experian ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT
Consumer complaint received 2018-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. ()

I refinanced my student loans with Nelnet. They keep asking me to go into forbearance when I have trouble getting work. 
My direct consolidated loans are = {$68000.00} Direct Subsidized A {$32000.00} and B {$35000.00}. 

Part of my now {$81000.00} loan has become so high with {$11000.00} in capitalized interest and {$1100.00} in accrued interest amounting to {$12000.00} in total interest is triple the amount of interest I should have paid on loans with a 6.25 % interest rate, which should have been only {$4200.00}. 

Nelnet told me there 's no way to stop paying such high interest and the interest is at least {$400.00} per month alone. I feel underwater and trapped with the amount the loan keeps climbing and need help.
Consumer complaint received 2019-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

On XX/XX/2018 Convergent Outsourcing received a collection account from XXXX for a past due balance of {$650.00}. I contacted Convergent Outsourcing several times via phone and regular mail in regards to validating the debt. Finally, I got someone who was able to help. The representative by the name of XXXX, stated if I pay the amount in full it will be deleted/removed from my credit. On XX/XX/2018 the account was paid in full, but still remains on my credit as paid with a XXXX balance. I was promised that this would be deleted, but I keep getting the run around about who suppose to have this removed. Convergent tells me XXXX has to have it updated. XXXX states Convergent has to have it removed. I am tired of getting the run around to have this deleted from all 3 credit bureaus.
Consumer complaint received 2018-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

Resurgent Capital Services collected a debt that has been disputed SEVERAL times with CFPB ; see account # XXXX. 

Resurgent Capital Services filed a claim in or around XX/XX/XXXX in amount {$8200.00} in United States Bankruptcy county under XXXX. A Proof of Claim Objection was file with honorable judge XXXX XXXX and hearing date was set for XX/XX/XXXX, however on XX/XX/XXXX Resurgent Capital Services submitted a WITHDRAWAL OF CLAIM.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (MD)

XXXX XXXX, XXXX I called EOS CCA loacted via XXXX XXXX XXXX XXXXXXXX, XXXX MA XXXX, with a phone number XXXX and spoke to a XXXX at about XXXX and told her that I had recently received this letter/statement with a demand to pay dated XXXX XXXX XXXX and that I would like to orally dispute the debt. It stated that the debt was for {$280.00} for original creditor XXXX. I informed XXXX that I do not know anything about this debt and that I saw they had placed the information on my credit report where she then informed me they do n't really have to verify any debts. They place the debt which they purchased from XXXX on XXXX XXXX XXXX. I informed XXXX that the collections is reporting XXXX XXXX XXXX and that it is negatively impacting my credit and Id also like the to provide me with a copy of the contract she now claimed that I signed with them. She then stated well we purchased the debt from XXXX and now you owe us. I asked XXXX to delete this collections they have placed on my credit she said they would not until I paid. I asked her what actions they will take about my oral dispute XXXX stated that I need to put the dispute in writing and that is the only time they will pay any attention to me. XXXX also stated they sent prior communication some time in XXXX that I never received. I asked her then if they purchased this alleged debt XXXX XXXX XXXX why did it report XXXX XXXX XXXX and why am I only now receiving this communication? XXXX stated she did not know but I can put my dispute in writing and they will leave the collections on my credit report and that they bought the debt so I owe it.
Consumer complaint received 2022-01-05
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. (GA)

I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually kill me.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX has been reporting a {$500.00} loan I never used and cancelled at the XXXX XXXX XXXX before classes started. I never took any classes. This was in XX/XX/XXXX. For the past 39 years XXXX would put a claim on my Trans Union credit report, I would file dispute and it would be taken off only to reappear again 7 years later. This harassment has continued for past 39 years. Most recently I caught it when denied a loan XX/XX/XXXX when XXXX fraudulently placed the information back on my account but this time saying I had a {$4.00} per month payback agreement was over 120 days late for 18 months then " reassigned '' it. Went thru same XXXX and again XXXX said it would be removed permanently. It was removed, my credit scores went back up. Today XX/XX/XXXX, I was looking to reapply for loan only to see the derogatory information placed back on my credit report with a 77 point drop on my FICO score. This has to be illegal and at this point feel fines should be placed on XXXX for this harassment and damage to my Credit Report.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I received an email from Chime Financial Inc. welcoming me to community and letting me know I could fund my account on XX/XX/2024 at XXXX PST. I have never dealt with Chime, contacted them, nor tried to open an account with them. 

After several other generic emails about credit building and logging in, I was then emailed a direct deposit enrollment form, complete with an account number and routing number. This was at XXXX on XX/XX/2024. As soon as I saw the email I called Chime at XXXX PST on XX/XX/2024. They wanted to verify my account with my social security number, but I wouldn't give it to them. They said my birth date was enough to verify. Then without any other questions or verification, they said they would close the account and send a confirmation email. 

I have not yet had any money taken out of any of my other bank accounts. I was not notified by Chime that I had a balance, so I hope that the fraudulent account doesn't cost me money. But how on earth is someone opening checking accounts in my name with all 3 credit bureaus frozen?? This should be illegal.