davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

I received notification today that Synchrony Bank has lowered the credit line by XXXX dollars. I am not behind on the account and all payments have been received. I am due a 45 day notification.
Consumer complaint received 2023-03-10
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2022-04-01
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. (FL)

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I HAVE SENT LETTERS TO XXXX XXXX TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (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 reports no consent is fraud.
Consumer complaint received 2022-05-25
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-10-18
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: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Account Name : XXXX XXXXDate Opened : XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX  XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XXXXDate Opened XXXX XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft
Consumer complaint received 2022-03-30
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. (FL)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

The XXXX lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to XXXX XXXX to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " XXXX by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

1 ) XXXX XXXX reports that I owe {$140.00} on a secured account opened XX/XX/XXXX and closed XX/XX/XXXX. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

2 ) XXXX XXXX is reporting incorrectly. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

3 ) XXXX is not my account. This is fraud. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

4 ) XXXX is not my account. I have asked for proof/validation due to identity theft for utility accounts that were established without my knowledge or permission. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (PA)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt American ExpressXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/2021 XX/XX/2021 XX/XX/2021 Balance : {$1400.00} {$1400.00} {$1400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1500.00} {$0.00} {$1000.00} Credit Limit : {$0.00} {$1000.00} {$0.00} Past Due : {$800.00} {$800.00} {$800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff
Consumer complaint received 2023-01-02
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. (NY)

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 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.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (FL)

I am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.
Consumer complaint received 2022-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I called and spoke with a Nelnet representative on XX/XX/2022 regarding my student loan. I was confused when I logged in and saw that my loans showed a XXXX balance with Nelnet showing that they received a payment on XX/XX/2022. I called Nelnet to inquire about the status of my loans and was informed by the representative XXXX that my loans had been paid in full and forgiven under the PSLF. I inquires and ask her multiple times to be certain since I informed her that I thought my loans were being transferred to XXXX. I repeated several times, are you sure? I couldn't believe what I was hearing and started to cry. She assured me that my loans indeed had been forgiven, and that was factual. She said she was sure. When I got off the phone, I called my mom and family to inform them of the update. I decided to call back on XX/XX/2022 to check again. When I inquired this time, a representative told me that my loan had not been forgiven but paid off and transferred to XXXX. I was devastated. I ask to speak with a supervisor and was informed that a complaint was being filed against the representative to be corrected. The defamation and willful injury my family and I have experienced are tremendous -To find out my loans have not been forgiven through Public Service Loan Forgiveness was emotionally and mentally devastating. The representative told me I had nothing to worry about my loans were no longer I now had financial relief.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Im having so many problems with Equifax its kind of sinister at this point. I think equifax may have created a new file and I need it merged if they created a new file for XXXX XXXX XXXX instead of posting it on my existing file. I have called equifax several times and they act like they cant speak to me they keep putting this math question how much XXXX its a very very irritating stall method purposely to get you to fail security questions and they give you a time limit as well. Its a very very unfair tactic to try and stall you to collect information I bypass experian and XXXX. XXXX has done everything I asked and I appreciate them much ( removed address ). I need my file merged I contacted multiple sources on this before even when equifax told me to contact XXXXXXXX XXXX XXXXXXXX and I did now they are telling me to contact Equifax this is all a very very sick game no one has the time or money to waste. I just want XXXX XXXX XXXX address removed and my real estate loan reported I can not afford to waste time with back and forth calls, cat and mouse, this is unacceptable.