davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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)

To whom it may concern ; XX/XX/2022 XXXX, Experian, XXXX : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.
Consumer complaint received 2020-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (TN)

i made payments on this student loan with XXXX XXXX XXXX XXXX XXXX for 10 yrs and i now owe more than i borrowed.. have attempted to get copy of all payments and where money went without success..i have filed bankruptcy in XXXX was told did not want debt added to my bankruptcy but made separate..says i owe over {$8000.00} but will take XXXX over 60 months..
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BB&T CORPORATION (PA)

I got scammed 2 years ago which end up having BB & T bank closing my account and removing the remaining money i had. Then 2 weeks later someone try to cash a fraud check in a state which i never been. The bank flagged me to all other banks. Then the branch closed and later bought out by another bank. Now 2 years later i am trying to build my credit and open a account with a bank. And i am unable to do so. The newest bank manager said to get the information from the former bank about the situation. But the is impossible. I need that hard inquiry removed as i am a victim and being punished for it.
Consumer complaint received 2022-10-24
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: U.S. BANCORP (FL)

CFPB + US Bank, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

I was allowed a forbearance and was told the months would be added to the end of the loan. When this timeframe expired, JP Morgan Chase demanded the total amount due in forbearance instead of adding the amount due to the end of the loan. I do not have {$5000.00} almost to pay the arrears and foreclosure is pending. I applied for mortgage assistance and was denied stating my situation was not temporary. I am so frustrated. I have applied to XXXX agencies for pandemic assistance but am awaiting a decision which can take XXXX weeks longer.
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC (FL)

I filed my income taxes for the year XXXX  and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names XXXX. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.
Consumer complaint received 2018-08-20
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. (GA)

I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX XX/XX/18 JPMORGAN CHASE BANK XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18
Consumer complaint received 2018-08-20
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)

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on Equifax. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE FARM BANK, FSB (WI)

XXXX  has been non-compliant with removing the unverified account STATE FARM BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-08-01
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. (AL)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to XXXX  causing problems at my job & creating unwanted stress in my home life. The follow items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2018-08-20
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: EQUIFAX, INC. (FL)

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXXand XX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Consumer complaint received 2018-08-19
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. (OH)

I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX   account. please delete ASAP
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX -Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (FL)

I have tried time and time again to contact this collection company, I could never get through to talk to someone to ask WHY this debt is still showing NOT PAID on ALL XXXX of my credit reports AFTER have paid you in full for this XXXX XXXX XXXX XXXX. I could never get through to talk to a customer service rep.
Consumer complaint received 2021-06-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are two previous CFPB complaints that were previously filed by me on the same matter of being restricted to using two different credit report access accounts ( service.transunion.com and XXXX, which both do not allow the same access to your credit report that the Transunion.com allows. We had received a letter back in XXXX that informed us our mortgage loan had been sold and was being transferred to another lender and servicer. Soon after being informed of these changes bot my wife and I was kicked off of one of Transunion 's free accounts and was told that we had to use the service.transunion.com from now on as the only available access for both of us, When calling into Transunion we were informed of the changes but much like with another credit reporting service, they too denied us access to the a paid credit bureau account. 

See previous complaints on same matter : XXXX and XXXX
Consumer complaint received 2022-08-01
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. (AL)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The follow items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
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. (NV)

On XX/XX/22 I called the Experian Credit Agency reporting that there were some Inquiries that I do not recognize and were not authorized, therefore they had to be removed from my credit report and my application did not work and they have not given an answer on the case. I ask you to take action on the case and eliminate these unknown and unauthorized inquiries in the next 15 days.
Consumer complaint received 2022-04-25
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-24
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: CITIBANK, N.A. (FL)

CFPB + CBNA, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

I transferred {$770.00} from wise to my local bank today XXXX XXXX. According to wise the money is already sent to my local bank but its not in there yet. It is almost XXXX hours from the time I transferred the money. It says the money will be transferred after XXXX minutes. But its still not here.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Equifax is unwilling to help me with login problems. I have called in 6 times and held about 7 hours. 5 representatives disconnected me. Another rep told me to call a different number who after holding for 45 minutes also " disconnected '' me. No one will help me with this problem or my freeze problem. I can not talk to a supervisor because the one person I connected with in 7 hours would not forward me. I can't apply for a savings account because I can't unfreeze my account or my husband. When I login I get a message to call, but when I call Equifax people are constantly hanging up and not calling me back, because they say they don't have the capability
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Received notification from XXXX XXXX XXXX  stating a collection account had been added to my consumer report... I attempted to reach out to the company that listed the erroneous and inaccurate account however was not able to get thru. I wrote company a letter however never received response. 

This is not my account! It is not even my name! I have had to dispute this exact same account twice already and it was removed however appears to be that it is being sold to different collection companies and listed over and over again! 

I demand that this be removed immediately.!
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2020-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I graduated from XXXX  school in XX/XX/XXXX and consolidated my federal loans through XXXX XXXX XXXX My loans were sold once to XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) and then to Fed Loan Servicing Center ( XXXX ) where my loan is currently. Per Fed Loan Servicing calculations for the loan forgiveness program, I am missing 24 payments between XX/XX/XXXX-XX/XX/XXXX. I am unable to contact or verify payments with XXXX XXXX XXXX because this company dissolved/went out of business. I was never notified about this company closing or I would have requested copies of all of my documents. I have tried contacting Federal Student Aid but even their support services were unable to direct me on who to call or contact about this matter. This is unacceptable and I, as a consumer, should not be held accountable for the mishandling of student loans when I have never missed a payment, been delinquent, or defaulted in any loan I have ever held.
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc. (TX)

Got really behind couldnt make my payments they wouldnt help me at all, always texting me and calling my job sent a cease letter to stop all communication and they still sending me collections mail letter www delivery XX/XX/22 was written XX/XX/22