davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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)

This is the several times I've complained about some erroneous items in my report. You must correct and update these items that were opened without my knowledge, consent, or authority within XXXX business days.These items are damaging my file and needs to be updated or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-19
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. (CA)

In XXXX  I reached out to experience and also to XXXX XXXX XXXX explaining to them. That I have been a victim of identity theft and ask them to remove that person in account from my credit report. And they refuse to assist me. I did everything that experienced asks me to do from police. Report to prove in my innocence, and nothing was did. This protocol 3 different times and still nothing was, and now I'm doing it again. I am being taken advantage of they have sold this account and it's still on my credit report. The vehicle has been repossessed and sold by the bank. The proof is there, it's not my account, not my signature, not my birth, date not my handwriting and I don't know any of the people but the little girl from off line, who stole my XXXX and I told them that at the bank, and I reported to the police, but it's still on my credit report. I am the victim it looks like they look out for the criminal.
Consumer complaint received 2023-10-20
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$21000.00} XX/XX/XXXX XXXX  XXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX
Consumer complaint received 2023-10-20
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. (FL)

Ive submitted this complaint several times CFPB, TRANSUNION & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) TRANSUNION & XXXX with FTC Fraudulent report support my position. It seems TRANSUNION & XXXX is violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

Two purchases were made fraudulently using my Wells Fargo debit card. The purchases were made to XXXX XXXX through the XXXX XXXX. 

My XXXX XXXX  was hacked. The orders were placed. Then deleted from the history so I can not look up. 

The purchases were for : {$530.00} and {$300.00} on XX/XX/XXXX I was told the claim through Wells Fargo would be handled within 10 business days. 

I emailed XXXX to ask to cancel the purchase as it wasnt me.
Consumer complaint received 2023-10-19
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. (NV)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove the following inquiries that I did not authorize from my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i did not provide written permission or instructions for identification to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of faxt by me relevant to the reuqest to block the information related to any transaction by me as a consumer. Please delete within 4 days of reciept of this information
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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: EQUIFAX, INC. (OH)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

I applied for IDR, thinking my payment would be lowered, but it was raised from around {$60.00} something a month to {$320.00} on XX/XX/XXXX. It took them at least 2 months to process my application, not giving me enough time to pivot to another plan. Then when I checked my loan again today, it went up to {$380.00} with no explanation, letter or notice. 

I called Nelnet after trying to email them using the form on their website, which just gave me an auto-reply saying, " Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : '' I had to wait over 3 hours to talk to someone, and when I did, I was put on hold 5 more times. They told me my payment was the lowest it could possibly be, even though I only make around XXXX gross a year. They said because I am married now my payment is super high. I asked if they could lower it or if there was any other option for repayment, because I can not afford it, and they could not help me at all. 

I do not have another 4 hours of my life to waste on the phone with these people. Despite multiple attempts to email them, I just keep getting auto-responses with non-answers. I can't afford this and no one is helping me!
Consumer complaint received 2023-10-19
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I am unable to access my account. In the past, every time I tried to log in, they would tell me my password was wrong. It was not wrong. So I would ask for a new password and that would get me logged for one time. Subsequent attempts to log in met with the same problem. Now, their site is freezing. Also, I have received no letters in the mail regarding my account. This is unacceptable. I need access to my account in order to budget for my payment and, more importantly, keep track of my payments and my remaining balance.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had fraud in my account, I submitted a fraud investigation via Capital One. Capital one made the decision to freeze and close my accounts and will not give me access to the funds in my acct despite telling me I could go to the branch and get it. I left work early and drove an hour to the branch and was refused access to my funds.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, my credit report displayed that my XXXX XXXX XXXX was charged off and closes in XXXX. A month or so later they begin to re-age my date by fraudulently submitting that I began making payments dating back to XXXX. This is untrue and fraud. I have not made any payments to this account. This company has caused me to not be able to acquire loans to support my family. This is a severe injustice of my rights. I have sent letters to all 3 credit bureaus asking them to verify this information and delete this account for incorrect information being submitted. The bureaus only response is that " the account has been updated ''. Updating a fraudulent account after the fact does not help. This is a direct violation of the Fair Credit Reporting Act. RE-AGING DEBT IS ILLEGAL!
Consumer complaint received 2024-11-26
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (CA)

XXXX shows on their website that {$830.00} was issued to my account on XX/XX/XXXX. I received an email from Money Network on XX/XX/XXXX at XXXXXXXX XXXX stating that I received a deposit from XXXX to my bank account. It says on the email if I do not receive the money to contact XXXX. I called and spoke to someone by the name of XXXX, she stated she does NOT see a payment from two days ago XX/XX/XXXX. This company is a fraud & their system is flawed!
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-11-01
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. (OH)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

On XX/XX/2023 a credit account was opened in my name by someone other than myself at XXXX XXXX XXXX XXXXXXXX XXXX ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the XXXX on my Equifax credit report was still there so I filed a dispute. Equifax sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at XXXX XXXX ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to Equifax and there is nothing else that she can do. 
I then filed a 2nd dispute with Equifax explaining the situation and sent them a copy of the letter I received from XXXX XXXX 's fraud department. This morning, XX/XX/XXXX, I received the same report from Equifax " inquiries are a factual record of file access ''. 
I called Equifax and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, XXXX XXXX is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. Equifax told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-19
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. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.