davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the second complaint I have submitted. TransUnion have yet to block a fraudulent XXXX XXXX XXXX  XXXX XXXX Account # XXXX reporting on my Transunion consumer report. I am I victim of identity theft. I sent Transunion a FTC report, report number XXXX. My next step is filling a XXXX  complaint against TransUnion and filing a complaint with the attorney state General, and file ligation. Also, XXXX  sent me an alert through the XXXX  app that they removed the fraudulent XXXX XXXX account XX/XX/XXXX ( see attachment ). Today, that account is still showing on my XXXX credit report.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

As a consumer, I have subscribed to Equifax 's monthly subscription service, which is advertised to include the ability to freeze and unfreeze my credit online at any time. However, despite paying the monthly fee for this service, I have consistently faced difficulties in utilizing it as advertised. 

Specifically, I have found myself unable to freeze or unfreeze my credit online through Equifax 's platform. Instead, I am forced to contact their customer service department every time I need to enact a credit freeze or unfreeze, which is a cumbersome and time-consuming process. 

This failure on Equifax 's part to provide the promised online credit freeze and unfreeze services constitutes a violation of consumer rights and fair business practices. It is unacceptable that despite paying for this service, I am unable to access it conveniently online as advertised. 

I kindly request that the CFPB investigate this matter and take appropriate action to address Equifax 's non-compliance with consumer protection regulations. Additionally, I would appreciate guidance on how best to resolve this issue and ensure that Equifax fulfills its obligations to consumers moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing this concern.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all 3 credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all 3 credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.
Consumer complaint received 2022-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CT)

I went to XXXX school at XXXX beginning XX/XX/XXXX. I worked hard, went to school summers, and graduated in XXXX of XXXX. I borrowed student loans to pay for my education. The university made it seem like they were giving money away. BUT, I signed the papers and borrowed the money. I borrowed about {$26000.00} for each year I attended. My student loan debt was well below {$100000.00} when I graduated. Once I graduated, I could not find employment, and worked in other jobs. I found paying off my loans to be very difficult. The loan servicing company was constantly telling me to defer or forebear. No one ever told me that I wouldn't get a job, and that the interest would continue to accrue to unimaginable amounts. I at {$30000.00} more now than I did when I graduated from XXXX school, after 25 years of on and off payments. I have been paying this debt off for he last 24 years, and my current balance is {$120000.00}. This seems egregious to me. I feel that my servicer was constantly just putting me into forbearance. No one would ever lower my payment to something affordable. This seems just blatantly wrong to me. This is as bad as what XXXX did to their borrowers. I need help. I am a public school teacher, everything has gotten so expensive, and prices are going up and up, but my paycheck doesn't increase, and now I can't even get a forbearance because I have exhausted all options. How do you exhaust all options unless? I have paid at least {$50000.00} of this debt, but my debt keeps growing. This should be illegal.
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

Hi, I applied for a loan with Chase to refinance. The process was slow, lack of communication, lack of reaching back on a timely manner which caused delays upon delays which resulted in certain documents expiring. 

I would communicate on a timely manner on documents they would request for over and over again ( even thought I had provided such documents ). Frustration developed and it appeared to me that they did not want for me to refinance. I have excellent credit score and never have I missed a mortgage payment. I invested time and money on the refinance process. I felt they were disrespectful on how they handled the loan process. 

I informed them that I would file a complaint. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-04
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: Fig Tech Inc. (UT)

I have been in contact with fig loans on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to fig again to be told that Im not due until XX/XX/2021. Then I demanded that fig XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting CFPB, XXXX and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. Fig loans still refuses to remove the late payments off my credit report.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LendingPoint Holdings LLC (OK)

I have reached out regarding my account and whether or not I still owed money. I was saw on the website that my account was marked complete so I disputed the amount shown on my credit score to have it categorized as closed account. It came back that I owed money from XXXX so I called them and the representative verified that I didn't owe anything. I disputed again, same result. So I called and they told me that the account still owed and that they sold it. When I requested information on who it went to over several different phone calls I was given wrong numbers and different organizations names. I am fed up with this.
Consumer complaint received 2022-01-07
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)

This complaint is many of several. I just did this a few weeks ago only for all three credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXXXXXX XXXX XXXX XXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXXXXXX XXXX XXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, EQUIFAX AND XXXX HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES EQUIFAX AND XXXX HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!
Consumer complaint received 2022-01-17
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2022-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the XXXX Credit Bureaus dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. Please do your job and correct this account. 


XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

FED LOAN SERVICING Hello, I can not reach fed loan servicing for over 2 weeks!! I have been placed on hold for an hour plus at least 4x, I have selected call back when next in line, not one call back and I have emailed 3x! I know they are selling the loans to a new lender but my payments start in XXXX and I have no idea who they are going too, and I have submitted a PSLF form that I'm unsure if they applied correctly. In addition, I have submitted 4 PSLF forms and I received a message from the US department of education that only one has been counted ( which makes no sense as I work for public schools and all have been from public schools, full time ) PLEASE HELP ME!!
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX and XXXX, 2019. My credit card number was used fraudulently to make {$2100.00} in purchases. According to Chase, the purchaser had a chip card at point of sale. My family had possession of all of my cards. Chase contacted me twice and both times I told them that the charges listed were not mine except for the XXXX charge. They refunded the charges on my account. Then two months later they sent a letter stating that I benefitted from some of these charges and rebilled {$1700.00} to my account. They stated the investigation was complete. They never questioned me in the investigation. We can prove that none of us who carry one of the cards was in the geographic location where the purchases were made. There are even correct charges made on both of those days by me which show that I was not in XXXX XXXX. They also claim that I notified them that one of the XXXX purchases was mine which I did not do and the charge was not mine. 
Chase did not include me in their investigation. I can prove that none of my family was in the location the charges were made. I consider Chase to be acting in bad faith.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXXXXXX has derogatory marks on all 3 of my credit scores stating I owe them money. I have no knowledge of even applying for credit with them, I called them to get more info and possibly pay off the debt and they have absolutely no information of me ever even being a customer and have no clue as to why they are on any of my credit reports. They still refuse to remove themselves from the reports.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Consumer Adjustment Company Incorporated (TX)

I have been disputing the late payments showing on my account for Consumer ADJ which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2022-06-09
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-19
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)

Despite all my efforts to contact the Credit Bureaus to correct my Credit Report, it is clear that the Credit Bureaus have have failed to pay heed to my disputes. I previously sent a letter addressed to the Credit Bureaus dated XX/XX/XXXX with complete attachments of my personal information and have waited for them to respond. I have been waiting for quite a long time now and I came to a conclusion that the Credit Bureaus have ignored my written appeals. It is as bright as daylight that the Credit Bureaus have violated the Fair Credit Reporting Act section 605b which states that the Credit Reporting Agencies are required to remove any account and information that resulted due to Identity Theft. I am disappointed to see that the Credit Bureaus have done nothin to correct my Credit Report and continued reporting false information without proper verification. I previously submitted a complaint about this matter and I am submitting this complaint once again hoping that the Credit Bureaus would finally take action and have the disputed items deleted as soon as possible. I need the following items removed from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I was trying to put a freeze on my account at Equifax after I learned about the XXXX information breach today. 

I sign in and when through all the hoops to get to the freeze and then then the process stop and I was told to contact customer care team. 

I called the phone given - XXXX XXXX XXXX XXXX and I went through a big long phone loop XXXX to no avail. I tried many times. I found another number - XXXX XXXX XXXX and it was the same big long phone loop XXXX that got me no where. There is not a route to speak to a customer care team member so that is a lie and a waste of time bunching in all these numbers to prove who I am and in the end Equifax phone hangs up on me. I tried 5 times, wasting an hour. 

Equifax phone message - you can remain on the line to speak to an agent is a lie!!! There is not a phone route to get to a real human being to talk to to resolve an issue. 

I could write in-depth about the many pick a choice questions ask for proof its me and when I press 5 for none of the above it keeps asking the same question, no matter how many times I press 5. 

I still do not have a credit freeze on my account. 

Clearly Equifax doesnt care about the consumer and they know they dont need to because of the monopoly of the three agencies - Equifax, XXXX, XXXX. 

XXXX XXXX
Consumer complaint received 2022-07-19
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. (TX)

Despite all my efforts to contact the Credit Bureaus to correct my Credit Report, it is clear that the Credit Bureaus have have failed to pay heed to my disputes. I previously sent a letter addressed to the Credit Bureaus dated XX/XX/XXXX with complete attachments of my personal information and have waited for them to respond. I have been waiting for quite a long time now and I came to a conclusion that the Credit Bureaus have ignored my written appeals. It is as bright as daylight that the Credit Bureaus have violated the Fair Credit Reporting Act section 605b which states that the Credit Reporting Agencies are required to remove any account and information that resulted due to Identity Theft. I am disappointed to see that the Credit Bureaus have done nothin to correct my Credit Report and continued reporting false information without proper verification. I previously submitted a complaint about this matter and I am submitting this complaint once again hoping that the Credit Bureaus would finally take action and have the disputed items deleted as soon as possible. I need the following items removed from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX