davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX- XXXX 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-03-29
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. (FL)

TRANSUNION Some of the information in my credit report is inaccurate or incomplete, or both. Please correct all of the inaccurate and disputed issues below. 

XXXX  - LATE PAYMENT 90 DAYS I have asked you to verify this late payment and send me, via USPS, how you determined that I paid late. I do not have any late payments, but my credit report shows otherwise. Please fix this. I paid this debt. I disputed this debt with the furnisher, but its not reporting as disputed. ] Please correct this information. 

Please send me all proof and any information you receive from your investigation, and tell me what procedure is used to decide the correctness of the information you report, plus the business name, address, and phone number of any people/companies that give you information. Also, please send me a complete copy of my credit report. 

Thank you,
Consumer complaint received 2023-03-28
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. (TX)

Second Complaint with CFPB *According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } *According to 15 usc1681a ( 2 ) ( B ) : The consumer report does not include Authorizations or approvals of specific extensions of credit. Any loan or Credit Card reporting to my consumer report is a " specific extension of credit ''.

None of these laws have been obeyed. This is not a dispute for verification. It's a dispute of breaking the law. My rights have been violated.

*The Privacy Act of 1974 : prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (NY)

My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXXpital Bank SSXXXX. 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including XXXX. 
Phone number that is registered with account is XXXX, added is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment XXXX very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.
Consumer complaint received 2022-10-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION (CO)

XX/XX/2023, met a man on the dating site XXXX. He immediately pursued me for over 3 months. We emailed, spoke on the phone, did XXXX XXXX, had spoken with his parents etc. Just found out XXXX hours ago, that he had stolen someone else 's pictures, lied to me and misrepresented who he actually was. Everything was a lie. He applied lots of pressure for me to help him, because we were a team... ..we 're in this together. Through the coercion, on XX/XX/2023, I wired {$45000.00} into a bank in XXXX XXXX. I've have filed numerous reports with the local Sheriff 's department here, the CO AG 's office, IC3, FTC, and FBI. I have made numerous calls to my credit union and have gotten nowhere. Mostly, they don't return my phone calls. I've been a member there for over 33 years. I have all emails and phone calls from him. He is still contacting me but I haven't led on that I'm aware of his scam. The whole situation has made me feel sick. I'm desperate to recovery my money. I will have to compiled all documents into a folder to be able to attach or forward them. I'm currently out of town until XX/XX/XXXX.
Consumer complaint received 2022-09-28
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. (OH)

On XX/XX/XXXX, there was a fraudulent hard inquiry and account opened by XXXX XXXX. They were immediately notified of the fraud and instructed to close the account and to remove the inquiry. I was told that it takes 90 days to remove the inquiry. It has been longer than 90 days and XXXX XXXX, Transunion nor XXXX still will not remove the fraudulent inquiry.
Consumer complaint received 2023-04-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please see that these accounts are removed from my credit file ASAP.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MI)

I had an Indigo credit card for years, I always made my payments etc. They have a yearly fee and I really just kept it open to not have to close a credit card and have it ding my score. So when the time came to pay my balance ( {$99.00} ) yearly fee. I sent it through as usual and just didn't think about it. Months after I received phone calls from the company and thought it was odd so I checked my account and now it says I owed over {$220.00} in fees! I didn't understand why when I had paid it. So I attempted once again to send a payment in because I was wondering if it ever went through maybe I forgot initially, but no I didn't forget and this payment also did not go through. I haven't changed my bank account or anything in all the years I had this card. So I went through and deleted my bank account and attempted to re-add it to my account. It kept telling me my routing number was wrong but it wasn't. So instead of a normal bank routing number, I tried my wire transfer number and that worked and it accepted my account now. By this point I was so infuriated with them and they sent me an email saying if I call and agree to pay {$110.00} they would close my account and I would be done with them forever. I called and said yes just do it to be rid of them, it was {$10.00} more than the {$99.00} but I didn't care I just wanted to get it all over with. They repeated my account to me and refused to email me a confirmation but gave me a confirmation number over the phone ( I still have it because they have been so untrustworthy ) and thank goodness I kept it! This was a week ago on XXXX that I agreed to pay the {$110.00}. So today on XXXX I checked my bank account and noticed nothing had come out of my account yet from them. So I decided to log into the credit card account and it still says I owe over {$220.00}. I go into the payments section and I see the {$110.00} was sent through but then it says it was reversed yesterday on XXXX. Why would it be reversed?! I look into payment methods and of course the bank account that was there had disappeared! It wasn't even showing up in my credit card account period! I NEVER deleted it out of there. I don't understand why they would delete my bank account out of my profile it doesn't even make sense. Obviously if one wasn't in there nothing would have gone through initally because it would have nowhere to get it from. But I know it was there and the representative I spoke to on XXXX told me my bank name and everything, it was all there a week ago.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/scrub>XXXX Amount : {$1500.00} & {$1800.00} Company : Mindland Credit Management.

To whom it may concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection practices Act. ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual that is binding on me to pay this debts. 
This is NOT a request of verification or proof of my mailing address, but a request of VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your officers provide me with components evidence that I have any legal obligation to pay you.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

When Nelnet took over my Great Lakes balances, they stated they would not issue account statements without payments. After a manual payment, Nelnet refused to provide a statement. Contacting customer service and other 'contact us ' options led to no response or an immediate closing of the issue with an automated email. 

The manual payments never posted nor credited my account. I do not know where that money has gone. 

The statements were required to continue an employer benefit for loan repayment. Nelnet refused to provide statements, and I was unable to receive my employer benefit. Nelnet 's refusal to provide an account statement has personally cost thousands from missed employer payments over multiple months. 

When Nelnet finally created a statement, my employer applied benefit was not posted to my account. I do now know where that money has gone.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-28
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am writing to formally register a complaint concerning the persistent inaccuracies present on my credit report with Credit Bureaus. Despite multiple attempts to rectify these inaccuracies, the requested corrections have not been made, and this has had a detrimental impact on my financial well-being and creditworthiness. 

I first identified these discrepancies on my credit report, and since then, I have made repeated attempts to have them corrected. I have communicated with your agency on the following dates and each time I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my efforts, the inaccuracies remain unresolved. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly indicating the inaccurate items. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of payments, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have adversely affected my ability to secure credit, employment, and other financial opportunities, and I expect them to be rectified without further delay. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and updates on the progress of the investigation. Please assist me to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX.
Consumer complaint received 2022-09-20
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-05
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-20
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed several incorrect items on my credit report plenty of times, but the items have not been removed from my report. Ive also sent in letters to dispute those items Ive called and try to get them to remove the items over the phone of disputed online also but nothing ever seems to work out for those items to be removed.
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

consumer attempted to resolve this dispute with TRANSUNION. TRANSUNION continues to furnish inaccurate information on my consumer report. TRANSUNION is being willful and negligent noncompliant with federal law with their reporting