davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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: Experian Information Solutions 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.
Consumer complaint received 2024-08-25
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. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-27
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. (PA)

I am writing to follow up on my previous dispute dated XX/XX/year> regarding the blatant errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Consumer complaint received 2024-11-23
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. (NC)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting Dept. of Education/XXXX XXXXo Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with XXXX, XXXX, and TransUnion concerning the Department of EducationXXXX XXXX Specifically, the reports erroneously list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards. 

Below are the details of the discrepancies : XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
TransUnion : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the U.S. District Court for the District of Nebraska, alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case. 

These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated. 
Any erroneous entries are corrected or removed entirely from my credit reports. 
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue. 
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights. 

Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I offered to buy a bag from XXXX. The seller asked me to text her to discuss more regarding the transaction. She offered a discount if I would pay her via XXXX. 
I was hesitating at first, but fell into her scam, and pay her via XXXX. 
-The first payment on XX/XX/2022 was half the amount of the total : {$620.00} She received the money, and send me the XXXX XXXX # XXXX - I checked the tracking, and see the tracking was started to move, So I send her {$370.00} ( That is the limit I can send to her that day ) - I keep checking and see that the tracking was continued to move, so the next day XX/XX/2022 I send her the rest of the balance : {$250.00} ( for the total of {$1200.00} ) I told her that I rerouted the package to one of the XXXX XXXX stores, because I'd like someone to witness ( when I open the box ) what is in the package, to avoid any problem in the future. 
- Next day when I check the tracking, I see that the seller had requested the box to ship back to her. 
I call the bank right away to report, the banker filed the claim for me, provided XXXX claims number for the XXXX XXXX transaction that I make. 
XXXX Claim number XXXX for {$620.00} XXXX Claim number XXXX for {$370.00} XXXX Claim number XXXX for {$250.00} The banker told me that someone will call me, but NO CALL from the bank! 
At the same time, I report the scammed to the FTC, Report # XXXX I also report to the XXXX and to the XXXX XXXX Police Department. 
case # XXXX, The assigned XXXX XXXX name is XXXX XXXX. 
On XX/XX/2022 the XXXX package was delivered to my home ; I opened the box. inside I found an old pair of shoes a crushed XXXX box, and a pair of old track pant. I ran to the police station right away to show them the box, they took the box and updated the report for me. 
I called the bank, they told me that they already CLOSED THE CASE. I was very disappointed, they did not call me, at least have some courtesy to update some information to help the case. 
I ask the banker if I have no chance to recover the money, or get some kind of protection from the bank to have my money refund, he said NO. 
This is the scammer Information : XXXX XXXX email : XXXX Phone : XXXX She gave me 2 addresses : XXXX XXXX XXXX, XXXX. FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation (CA)

I am filing a complaint against Aspire Credit Card Services regarding a late payment reported on my credit report for a {$15.00} maintenance fee on my account. While I acknowledge that the late payment occurred, it was the result of an oversight caused by Aspires failure to notify me properly due to having the wrong mailing address on file. As a result, I was never made aware of the fee or the impending late payment until it was already reported to the credit bureaus. 


I have been an Aspire customer for over five years and have never missed a payment with any creditor before this incident. This late payment is the only negative mark on my credit history and was caused solely by the mismanagement of Aspires account communications. At the time, I did not carry a balance on the card, so I was not actively checking the account, as I had no expectation of fees being charged. 



On XX/XX/2024, I contacted Aspire Credit Card Services and spoke with Supervisor XXXX ( ID : XXXX ) over the phone. After explaining the situation and emphasizing my excellent payment history and the unique nature of the late payment caused by the maintenance fee, I requested a goodwill adjustment. 



XXXX XXXX acknowledged that she could help me, but ultimately refused to assist, stating she wont make any adjustments despite understanding my situation. I found this response unreasonable given the circumstances and my longstanding record of responsible credit management.
Consumer complaint received 2024-10-24
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. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the Fair Credit Reporting Act, XXXX U.S.C XXXX section XXXX states that I have a right to privacy. 

XXXX XXXX XXXX Section XXXX Section XXXX states that a consumer reporting agency can not furnish an account without my written instruction. 

I did not give anyone written instruction to report the account listed below to my credit report. 

XXXX  XXXX - XXXX
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IN)

XXXX reps advised to do forebearance and deferment repeatedly and did not mention income driven payment plans for years since XXXX. My loans have capitalized to an exorbitant amount of {$XXXX}. If I had been instructed properly, my loans would be forgiven. Also XXXX was not mentioned either.
Consumer complaint received 2022-09-23
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5900.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've been trying to get all the credit bureaus to remove the child support claim from my records my case with them was closed on XX/XX/year> I DO NOT OWE ANYONE XXXX and I have proof of my case being closed not to mention since child support is unconstitutional and it violates my consumer and constitutional rights I feel like my identity has been fraudulently used to make this claim on my credit report and I also saw XXXX hard inquiries that I NEVER APPROVED I DON'T EVEN KNOW WHERE THEY CAME FROM!!! AND YOU WILL SEE AT THE TOP OF THE DOCUMENT I SENT MY CHILD SUPPORT CASE IS COMPLETELY CLOSED SO THIS SHOULD'VE BEEN REMOVED LAST YEAR WHEN I CALLED THEM AND ASKED THEM TO REMOVE IT
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I did not open this account. The address that was used was XXXX XXXX XXXX which was my baby mother 's adress at the time. She or family member mostlikely opened account. I'm very upset I've never I'm my life had a credit card would like this removed from my credit.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-25
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. (WY)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 usc 1681. Accounts : grain acount # XXXX XXXX XXXX : acount # XXXX self : acount # XXXX XXXX XXXX XXXX XXXX : account # # XXXX and XXXX XXXX pm : acount # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : acount # XXXX XXXX XXXX : account # XXXX has violated my rights.I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.according to 15 usc 1681 ( e ) ( b ) and accordance to 15 usc 1681 I 5 they are suppose to do this ( XXXX ) treatment of inaccurate information ( a ) in general, after any reinvestigation under paragraph ( XXXX ) of. any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information that the information has been deleted from the file of the consumer. And according to 15usc1681 s-2they are supposed to 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 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

Dear Friends at the United States of America, Notice is hereby given : I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act ( ECOA ) and Fair Debt Collection Practices Act. I am filing this complaint for unfair and deceptive practice, credit discrimination, inducement of XXXX, as aggrieved applicant against Citibank , N.A . for deprivation of right to extend credit as creditor in accordance with the Truth in Lending Act and ECOA. I am submitting this complaint without any third party. 

I conditionally accepted application and extended my consumer open-end credit in credit sale via good and valuable consideration of completed application form in exchange for consumer product Citi Custom Cash Mastercard account XXXX 15 U.S. Code 1641 ( c ) offer accepted for open-end credit for consumer purposes only. The Assignee disapproval based on unverifiable and uncertified rumors in bad faith is unfair per 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and we request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions My capacity of operation is that of consumer and originating creditor, unless presumed otherwise
Consumer complaint received 2022-09-12
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 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 n 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 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 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-07
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. (IL)

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXX XXXX  XXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action