davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-22
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. (PA)

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, have 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 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have not used my Capital One card for a few years. They arbitrarily decided to close my account - which is fine, but in doing so, they reported to the credit agencies that it was closed due to lack of payment - not lack of use, that the account had over 45 past due payments and the amount was settled for less than balance. I contacted Capital One to report the error - they REFUSED to correct it, said it should update with the billing cycle next month. In the meantime, it has significantly impacted my credit score.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experians response to complaint XXXX highlighted many violations in their procedures. The response from Experian states, We had previously placed the item under reinvestigation per your request, on XX/XX/2021. The data furnisher responded and verified that the disputed information was accurate as reported. According to the FCRA whenever an item on a consumer credit report is disputed an investigative consumer report is produced. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. These procedures were not followed and furthermore they came to conclude the investigation through illegal means. As stated by the Fair Credit Reporting Act, information shall not include specific factual information on a consumers credit record obtained DIRECTLY from a CREDITOR of the consumer. Experian clearly states they received their information strictly from the data furnisher and never properly investigated and verified and verified this account. The XXXX XXXX XXXX XXXX account must be deleted from my credit report immediately.
Consumer complaint received 2022-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (OR)

On XX/XX/XXXX I took out a {$3000.00} loan with Balance Credit. I was aware that the interest was high, but did not fully understand how high it was. I later learned that the APR was 213.9994 %! I made 5 monthly payments of {$560.00} on time for a total of {$2800.00}. On XX/XX/XXXX I wanted to see about paying this loan off and was informed my balance was {$3800.00}! That is more than the original loan amount after nearly paying {$3000.00} in payments thus far. I was unaware the none of my payments had went to the principal. I believe this loan is predatory and the way it is set up makes me unable to pay it off in a reasonable way in which I am not owing thousands upon thousands of dollars on a rather low loan amount. Loans and APR 's like this should be illegal!
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

I am disputing this collection account as this account was opened fraudulently. 
On or about XX/XX/XXXX of XXXX a person bought a cellphone from an XXXX XXXX XXXX store in XXXX  using my name and credit. The address they claimed I lived at was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Naturally, this person never paid the bill and the account went into collections in XXXX of XXXX which is when I was alerted by all 3 credit bureaus. I immediately contacted XXXX XXXX XXXX Fraud department to advise them that this account was fraudulent. The collection agency handling the account for XXXX XXXX XXXX XXXX at that time was XXXX XXXX XXXX  out of XXXX GA. 
The dispute with all 3 credit bureaus verified that the account was opened in my name frequently and was taken off my credit report with in a couple of weeks. 
On XX/XX/XXXX of XXXX I was alerted by the credit bureaus XXXX XXXX XXXX XXXX sold this fraudulent to a new collection company call Sunrise Credit Services out of XXXX NY. Same account number as the original collection company. 
I immediately disputed the account again with credit bureaus and now the account was verified because XXXX XXXX XXXX gave this new collection company my real address in Florida. Not only is XXXX XXXX XXXX trying pursue this debt twice now from the wrong person but they wrongfully sold my personal information to a new debt collection company.
Consumer complaint received 2022-07-01
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. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX BRANCH XXXX TX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DO NOT BELONG TO ME XXXX NAME VARIATIONS DO NOT XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-11-04
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. (GA)

Unauthoried accounts on credit report 1. An collection at XXXXXXXX XXXX, Opened XX/XX/XXXX orginal creditor XXXX XXXX XXXX. An XXXX Account at XXXX, XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (FL)

I set up a Loan Forgiveness program with a third party vendor who did not cover there end of the Deal. Company name is Premier Student Loan Center Contact names are Below : Date XX/XX/2018 XXXX XXXX | Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This person set up the account and has my bank information which was given to setup the forgiveness program and automatic Draft of monthly payments. 

Nothing was ever reported to Federal Student Aid : XXXX Below is what I have been paying since the date in question. ( XX/XX/2018 ) Billing Information and copy of Email sent to me for confirmation of Loan Foregiveness Program : XXXX, Congratulations again on your submission to the Loans Forgiveness Programs. Again, You will receive a Welcome call within 72 hours upon the submission of your application. Please Try to gather your POI ( proof of Income ) either 1040 Tax Return or two most recent Paystubs. 

Your Case # XXXX Federal Student Aid Username : XXXX Password : XXXX ReOccuring Payment Dates XX/XX/2018 - {$230.00} XX/XX/2018 - {$230.00} XXXX {$230.00} XXXX {$230.00} XXXX {$230.00} {$40.00} a month for the remaining duration term Again, We want to congratulate you, once again, on your enrollment into the Student Loan Forgiveness Program. Dont forget about our referral program! Now that you are enrolled, you are entitled to a {$25.00} VISA CASH card for each person you refer, so long as they qualify for the program. 



*THERE IS NO LIMIT ON THE AMOUNT OF VISA CASH CARDS YOU CAN ACQUIRE* cid : XXXX ***STUDENT LOAN FORGIVENESS PROGRAM*** If you owe {$10000.00} or more in federal student loans and would like some more information on getting up to 90 % forgiven, the Department of Education & the Federal Government have income-based benefits for you. Call XXXX XXXX @ XXXX and she will help you as she helped me! Make sure to tell her that I referred you! 









Highest Regards, XXXX XXXX XXXX Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This is the email i was sent after signing up for the program. 

No information ever made it to my loan provider and my loan is still the original amount that it started with. 

Refer to your email from XXXX at XXXX - Department of Education Loan Servicing. 

She emailed you today on my behalf. 


I have proof of transactions in my bank statements and proof with Department of Student Loans that The party in question never paid any money towards my loans and therefore is in breach of conduct for Fraud. I want my money back in full. 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DO NOT BELONG TO ME XXXX NAME VARIATIONS DO NOT XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANNER CORPORATION (CA)

Banner Bank closed my account when they shut down my working debit card on XX/XX/2022. I want my safe box fee prorated since they closed my account-Banner only wants to take money and not allow me the use of my money. This was without notice or warning.
Consumer complaint received 2022-07-01
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)

On XX/XX/2022, a company that I have applied for a mortgage did its final underwriting credit hard inquiry and now I am getting calls from at least 45 different mortgage companies to see if I want a mortgage with them. 
I was told that Equifax has given them my information on the credit hard inquiry. I was under the impression that my account is private and can not be given without my consent.
Consumer complaint received 2020-05-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.