davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (CA)

XX/XX/XXXX My credit dropped about XXXX point and my cosigners credit dropped about XXXX points randomly due to missed payments that were reported out of the blue by Exeter Finance. I called Exeter Finance to report this, and they stated that they gave me the run around stated that the information reported was false due to it being from XXXX XXXX and that I would have to check a credit company they report to, so I did, and it was still reporting that it was a late payment. so, I contacted them again and Exeter finance told me that I must dispute it, which I did, and my issue was resolved. Then, XX/XX/XXXX, mine and my cosigners credit dropped again. Due to the same information that was fixed was being reported again. I then reached out to Exeter again and they stated that it was a problem with the credit company and that I must talk to them, so I did and that stated that it was Exeter 's reporting that was the issue, so I called them again and was told that in their system they don't have me had ever been late, I filed a complaint threw Exeter to have the issue looked into and filed a direct report threw XXXX, as a result they fixed my credit score again. Then XX/XX/XXXX, my credit and my cosigner 's credit dropped again. I repeated the same steps. I filed Disputes threw XXXX, XXXX, XXXX XXXX, and contacted Exeter finance again and they still stated to me that I have never been late on a payment to them, and my credit was once again fixed. Now, XX/XX/XXXX, again my credit and my cosigners credit dropped again, I filed a dispute again and contacted Exeter finance again and they refused to explain to me why this keeps happening, they refuse to fix it. they keep throwing me around and refusing to help me fix the problem. I've tried refinancing but I am unable to due to them making my credit horrible. I feel as if they are trapping me.
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

i am victim of equifax credit breach i would like these items removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX : XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX PA XXXX : XXXX {$1700.00} I attached a pic from the equifax website showing i was a victim and my i am victim of equifax credit breach Claim Number : XXXX
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX  is a debt buyer who is misreporting to at least XXXX, XXXX and XXXX, a debt they bought from Capital One Bank, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XX/XX/XXXX. XXXX  lists the debt on the credit reporting agencies as of the date they bought it from Capital One, which was aroundXX/XX/XXXX.

Although I have had numerous phone calls and letters exchanged with XXXX, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX My only name is XXXX XXXX XXXX. 

My ONLY ADDRESS IS CURRENTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl, XXXX My social ends in XXXX My only phone # is XXXX I have been reporting to the credit bureau with XXXX to verify my information, they are still continuing to keep all old, outdated, or incorrect personal information on my reports preventing me from verifying my identity with other places or applying probably. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  Department XXXX XXXX XXXX, TX XXXX Equifax XXXX survive : XXXX XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX To Whom It XXXX Concern : This is my second time writing you to update my personal information. 
XXXX 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX. Current and only phone number : XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete these outdated addresses and update the addresses with the XXXX above. 

My only phone number is XXXX Delete any and all other phone numbers below, they are not my number and do not have any connection to me. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
I demand a deletion of all personal identifiable information from my consumer report with the exception I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ). am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX USC 1681 and all its subsections.

Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX Fl XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2019-03-08
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. (VA)

Applied for an Auto Loan through XXXX XXXX XXXX and found out that Equifax has me filed as deceased. My wife received a letter stating they were sorry for her loss and that her husband had passed away. This was very upsetting to her and caused a lot of pain. 
I've contacted Equifax three times to resolve this issue and still they are unable to fix the problem. I don't understand how a dead guy can still make payments on an auto loan and that not alert any questions. It seemed to be so easy to file me as deceased, but impossible to bring me back to life. I'm not sure how a company like this is trusted to hold several accounts with personal information. 
I'm just curious if my information was part of the XX/XX/2018 breach? 
Thank you for your help, XXXX
Consumer complaint received 2021-01-25
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. (SC)

Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00} XXXX XXXX XXXX XXXX. Owned : {$1100.00} XXXX XXXX XXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2300.00} XXXX XXXX XXXX  XXXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00}
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I have been trying to get this off my credit report since 2 things off my credit report. I never lived at this place and don't owe them anything. i talk to the leasing company and was told they was going to fix it and it will be removed give 30 days nothing happened I see that they sold it to a collection company. 

National Credit System {$6300.00} XXXX {$450.00}
Consumer complaint received 2022-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

My student loans ( undergraduate and graduate ) have always been paid on time. They were most recently held by Navient. Because I have made timely payments, I was sent an offer by Navient and NaviRefi to have my loans consolidated into one payment with an interest rate offer of 3.25 %. In late XXXX, 2021 I called Navient and submitted the paperwork to accept this offer. I was not made clearly aware that NaviRefi was a private company and my loans would go from government-held loans to now private loans. NaviRefi is owned by Navient, they are on all of the same logos as Navient and in my mind, there was not a clear indicator that they were in a position where they would change from government held to private loans. This information was hidden in the fine print and also hidden in the fine print was that I would no longer be eligible for public service loan forgiveness now that they are privately held. I am a School Counselor and public service worker and have been during the past 10 years of my career. My salary is minimal and being eligible for loan forgiveness would greatly improve my financial position. I feel that Navient/NaviRefi were not forthcoming with this information at all. I called and shared this situation with them to see if we could reach some sort of arrangement, and they refuse.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-08
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: Fairway Independent Mortgage Corporation (CA)

Fairway Mortgage pulled my credit and my wife 's credit ( hard inquiry ) without authorization.

I started talking with Fairway Mortgage to discuss a loan to build an addition on my home. I provided basic information to Fairway, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this. 

Fairway Mortgage then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.
Consumer complaint received 2019-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (ME)

During my Senior year of attending The University of XXXX XXXX I had to apply for 3 private student loans through Wells Fargo in order to be able to complete my degree. I had been paying ON TIME, full payment amounts, when ever I would receive a bill in the mail. I was never sent the " Loan Account Detail Summary '' sheet that they send in the mail with the current bills I am getting nowadays, which shows which loan I am paying towards so I am able to write the loan # in large on my checks and paystub. When I would make my payments, I was under the impressions that Wells Fargo was allocating my payments accordingly to the loans that they should have been going towards. After about 6 months - year of making payments, I receive information in the mail that 1 of my 3 loans had gone into default due to missed payments and that I needed to contact them in order to get loan back into " recovery '' status. I had contacted Wells Fargo and explained the situation. My concerns were sent to a senior officer at the company, however they continued to stand by their claim of my loan being in default was accurate ... I am furious. I have managed to get that specific loan back into recovery by having them automatically withdraw out of my checking account monthly but this is now affecting my ability to purchase my first home, please help if possible : (
Consumer complaint received 2019-03-08
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. (IN)

Beginning on XXXX XXXX I filed a direct dispute with Transunion credit reporting regarding the following inaccurate items on my credit report : -XXXX XXXX and XXXXt show 2 late payments in XXXX. I was a XXXX XXXX XXXX, I did not have payments due. They did not take action. 
-XXXX XXXX XXXX loan closed in XXXX, I requested this be removed from my report as it met its maximum amount of time. They did not take action. 
-A BK that met its 7 year limit from XX/XX/XXXX, I requested be removed, they took no action. 
The file number for the online disputes is XXXX. I have also submitted letters ( XXXX and XXXX of XXXX ) with proof that I was a XXXX XXXX XXXX during the times in question, to follow up and have received no reply, and there has been no action to rectify my report with Transunion. In these letters I asked that some of the credit inquires from XXXX be investigated and removed as well, as they were not authorized by me. All other credit bureaus I asked for these corrections complied within 30 days. Transunion has made no effort to resolve the issues and it has been 8 months.
Consumer complaint received 2022-08-03
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. (CT)

In accordance with the Fair Credit Reporting act 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 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TX)

This complaint involves GENESIS FS CARD SERVICES. I applied for this card because I had a {$300.00} limit. I reached that limit, & put it on auto payment. My card was compromised twice, so XXXX & XXXX payment was sent back. They charged 2 late & 2 overlimit charges which I would not pay. My limit was {$300.00}, I told them I would pay that only. Of course I'm still overlimit and they keep charging me, more & more each month. And constantly calling me. 
I talked to them- XX/XX/XXXX. They said I would still charge me over {$400.00} more & because it's over limit of {$300.00}, keep charging overlimit and late charges.
Consumer complaint received 2019-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I had a computer hacker in my system at the time I accessed my bank account with Chase. They send a payment to a person named XXXX XXXX {$1100.00} using XXXX XXXX. 
I have no knowledge of this person it was a case of computer fraud, where the hacker was mirroring my IP address. 
I reported the case immediately to Chase bank, originally they gave me a credit, but they just reverse the credit saying the investigation found out it was the same login and IP address as I used. Well this is what I have been reporting. 
I would like Chase to reverse the transfer as it is a bank fraud Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to address fraudulent accounts on my credit report, which I believe stem from inaccurate information resulting from fraudulent activity. I demand immediate action to rectify this error, as it tarnishes my financial reputation and integrity XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-19
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-19
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NY)

I went to check my credit reports and I have three collection accounts with XXXX that are reporting thousands of dollars in incorrect information. The information is stopping me from attaining new credit. I have made repeated attempts to call or mail XXXX  for verification with no response.