davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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: Advanced Resolution Services Inc. (NJ)

XXXX XXXX XXXX XXXX AM ( XXXX minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent. 

I will not furnish you with an address because I do not have XXXX ; as I am currently XXXX XXXX XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX XXXX XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, 2020, I was at the XXXX XXXX XXXX XXXX mall when a couple scammed me out of {$700.00} after being told they would give me cash in return for a quickpay of {$700.00}, they proceeded to say they never got it and left, I told security and filed a police report with the XXXX Police as they left. I reported to the company about my issue and how stressed I was and all Chase did was say they couldnt help me. A company that I trust to open my bank account with could not provide the support for me, as I was scammed and robbed out of {$700.00}.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-12-19
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. (MN)

Attached to this complaint is a letter from XXXX XXXX and XXXX XXXX XXXX XXXX for Trans Union XXXX XXXX XXXX The XXXX XXXX is showing an account balance of {$41.00} and the XXXX SXXXX XXXX  XXXX account is showing an account balance of {$390.00}. XXXX XXXX account is suppose to have a current balance of {$0.00} and XXXX XXXX has requested for Trans Union to delete the trade line from my Trans Union credit report XXXX The XXXX XXXXXXXX XXXX XXXXXXXX account is suppose to have a current balance of {$0.00}. Blaze has also requested for Trans Union to delete the trade line from my credit report, but the accounts is still currently listed and showing on my Trans Union credit report. The following accounts on my Trans Union credit report was reported lost/stolen : XXXX  XXXX Bank XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$760.00}. My XXXX XXXX Bank and XXXX XXXX XXXXXXXX XXXX XXXX was reported as lost/stolen and the balance on the accounts is all fraudulent charges/transactions. The debt collection account from XXXX XXXX  XXXX XXXX {$360.00} is not my debt collection account. The debt collection account doesnt belong to me. The following hard inquiries currently listed on my Trans Union credit report are unauthorized and fraudulent hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-05
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. (MI)

I filed chapter XXXX in XXXX and included all cases that were reporting negative and inaccurate information as well as dismissed cases or cases with no monetary judgements. In XXXX of XXXX Transunion credit reporting agency reported items that were included in my bankruptcy and refused to remove
Consumer complaint received 2022-01-18
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. (OK)

XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at XXXX XXXX and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.
Consumer complaint received 2021-06-23
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: MARINER FINANCE, LLC (FL)

I reached out to the company via letter regarding this account reporting a balance and still open even though this account has been charged off. My letters were never responded back to, and l left me feeling like there was no hope in clearing up this error. This wrong reporting are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.
Consumer complaint received 2022-01-05
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. (NJ)

On XX/XX/XXXX2021 I consumer, XXXX wrote to Experian regarding XXXX hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via XXXX on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. Experian made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. Experian did not provide how they investigated this issue and who confirmed that it was correct, and according what law. Experian as a consumer reporting agency is not in compliance with FCRA 15 USC 1681b ( c ) to make sure that all information that is reported on my consumer report are kept private, correct and validated. Experian is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these XXXX inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place. As a consumer I am entitled to receive damages up to {$1000.00} for each of the XXXX items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. I am attaching the letter that was sent which has all the XXXX inquiries that I am questioning.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

As I was checking my records on my consumer report I have noticed a couple times that it says XXXX XXXX XXXX which is not my name I never use that name ever so I believe that somebody would use my identity back then and it's on my on my report on my credit report and I would like to find a way to change this cuz he's charges are being used under my name or coming up and hurting me
Consumer complaint received 2022-05-18
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. (FL)

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX u.s. department of education XXXX XXXX u.s. department of education XXXX XXXX XXXX XXXX XXXX XXXX u.s. department of education XXXX XXXX u.s. department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX u.s. department of education XXXX XXXX u.s. department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED IXXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28
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. (NC)

I have a Bankruptcy reporting on my XXXX, XXXX, Experian and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account 15 USC 1692 Dear XXXX I am writing to formally dispute a fraudulent account that appears on my credit report. This account is unauthorized, and this result of identity theft. 
Fraudulent Account Details : Creditor : XXXX AUTO Account Number : XXXX Reporting Agencies : o XXXX XXXX XXXX XXXX Equifax I request that you investigate this is a fraudulent account and I have filed an FTC report, I want this to be removed from my credit report. I have not authorized this account, and it is negatively impacting my credit score. 
I have attached copies of my identification, and any supporting documentation related to this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-20
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. (NV)

In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX account number 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.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (MO)

I have contacted XXXX numerous times. There is an address on my report that is not mine from California. Ive actually gotten through to someone, they said it is removed, but its still there. I could never get a person again on the phone. Ive never even been to California. They also have a charge from a creditor from a AD Astra Recovery Services that does NOT belong to me. Now, they have reported that same one, thats isnt accurate again XXXX  XXXX my credit report. XXXX. Its not mine. So Im not sure how they are saying it is. They are sayings its from XXXX The same exact thing from the same exact company is stating there is XXXX from XXXX of XXXX Ive never dealt or talked to this company. Now there is multiple reports of the same company. Its outrageous. Ive called XXXX times, and literally can not speak to anyone. Was put on hold for hours. Then, I wrote letters, they never responded!!! Im sick dealing with them, and I need help!!!
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent bankruptcy in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of item which does not belong to me or was opened without my permission. 

XXXX  XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

Contacted this Debt collection agency in writing with certified mail. Provided them with everything they need to know within the letter that I am a victim of identity thief. Provided the FTC Report with collection agency. Never gave this company consent to furnish anything negative on my consumer report. This information should be off my report immediately! Provided all the documentation on XX/XX/2022.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, 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. (TX)

I sent a dispute letter to Transunion back in XXXX regarding this inquiry that I told them I dont recognize. I also filed a ftc report and they still ignored it, now this is hurting my chances of purchasing a home and causing me problems. All I ask is for this inquiry be deleted from my report. Not deleting this item is a violation of my rights and TransUnion are not following FCRA laws they are ignoring them. Please delete!
Consumer complaint received 2021-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

XX/XX/2021 first mark services took over my student loan from XXXX XXXX, they bought out my student loan as XXXX XXXX did away with all private student loans. XXXX XXXX told me, as well as first mark services, that my account would stay the same, interest rate and payment. I have a military interest rate on my account per my agreement and signing of documents through XXXX  XXXX. That was supposed to all transfer over since my loan was bought out, not new. However, first XXXX XXXX ( account # XXXX ) will not apply this, they are trying to change my loan they bought out to the interest rate and payment they want to. This has increased my payment and interest rate and it has been effecting my credit negatively since XX/XX/2021. I have called multiple times to get this corrected and have even spoke to our military JAG attorney. I have no processed with the attorney but I feel that is my next step. The last woman I spoke to from first XXXX XXXX told me she would submit my request and complaint and she sees no reason I shouldn't have my loan all remaining the same, interest and payment, but she did not have the access to change it herself. That was two months ago and nothing has changed. Please help me get them to resolve this issue. They bought out my loan without my consent and without me signing anything and want to change my original contract I SIGNED and AGREED to with XXXX XXXX. Thank you.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (CA)

Dear Consumer Financial Protection Agency, I am writing to bring to your attention a serious issue involving 700 CREDITXXXX XXXX XXXX and their unlawful violation of 15 U.S. Code 1681b, the Privacy Act of 1974. This law establishes a set of rules for how credit reporting agencies and other financial institutions can collect, use, and share an individual 's credit information. 

I recently discovered that 700 CREDITXXXX XXXX XXXX has forcibly placed an inquiry on my credit report without my consent. This is a clear violation of the Privacy Act of 1974, as the law requires that credit inquiries be made with the consent of the individual whose credit is being checked. 

I am requesting your assistance in addressing this issue and ensuring that 700 CREDITXXXX XXXX XXXX complies with the provisions of the Privacy Act of 1974. Specifically, I am requesting that 700 CREDITXXXX XXXX XXXX immediately remove the inquiry from my credit report and provide me with written confirmation that they have done so. 

I also request that 700 CREDITXXXX XXXX XXXX refrain from making any further inquiries or using my credit information without my consent. As a federally protected consumer, I am now opting out of any and all authorization. I, the consumer, may have given you written, unwritten, verbal, no-verbal per 15 U.S. Code 6802. I will report and make a list of demands on the CFPB site. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If 700 CREDITXXXX XXXX XXXX does not take the necessary steps to address this issue, I reserve the right to take further legal action - federal lawsuit. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.