davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (MA)

The following is the information regarding specific incorrect reporting on my credit report that I sent to each credit bureau. 

Dispute sent to XXXX XXXX Consumer Disclosure Center : 1. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

2. XXXXXXXX XXXX XXXX XXXXXXXX - Late payment history listed for 3 months : XXXX, XXXX, XXXX, all of XXXX. 
This is incorrect. Please remove it from my credit report. 

3. Hard Inquiry - XXXX XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 

4. Hard Inquiry - XXXX XXXX Date of Inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

5. Hard Inquiry - XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 
_______________________________ Dispute sent to Equifax Disclosure Department : 1. Names Reported : HASSAYOU is what is listed and is the incorrect spelling of my first name. The correct spelling of my first name is XXXX. Please remove the incorrect name from my credit report and replace it with the correctly spelt name. 

2. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

3. 4 Late or Missed Payments Listed On Account - XXXX XXXX XXXX Months listed of claimed missed payment : XXXX, XXXX, XXXX, and XXXX all in the year XXXX. Please remove it from my credit report. 

4. Hard Inquiry - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

It has been over 30 days, and I have not heard back from either credit bureau. The items have not been removed from my credit report yet either.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (SC)

I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 XX/XX/2020
Consumer complaint received 2022-06-30
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( 2 ) dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-07-07
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. (SC)

I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 XX/XX/2020
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.
Consumer complaint received 2021-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (CA)

I changed the bank attached to my autopay last XXXX and even got email confirmations of this activity, yet they continued to charge my old account. In XXXX this finally resulted in a returned payment and charges from my old bank and Target. As soon as I noticed it, I made the payment again immediately using the new bank account and called customer service who in turn called my bank to confirm what I was saying. Imagine my surprise when this manual payment was also rejected because they charged the wrong account again. So I made another payment, making extra sure I had selected the current bank account. I then deleted my old bank information from this account entirely. And still they charged my old account! Now I have all of these extra charges and Target had the audacity to cancel my account for too many returned payments despite that it was finally paid. I've spent weeks trying to get this taken care of and I just keep getting told to call another time or told that all of this was my fault.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC (FL)

XX/XX/2022, XX/XX/2022 XX/XX/2022 On the dates reflected above XXXX Capital are contacting family members that they are not authorized to contact. I'm not sure how they found their numbers but I would like them to stop or I will need to take legal actions. It's invasive and embarrassing.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject XXXX Complaint Regarding Background Check and Job Offer Withdrawal To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my application for the position of Grocery XXXX XXXX XXXXXXXX. On XX/XX/XXXX, at approximately XXXX XXXX, I was offered the position, pending a background check conducted by Sterling, XXXX chosen third-party service provider. 

On XX/XX/XXXX, I received notification that XXXX was rescinding the job offer based on the results of a 30-year background check. The stated reason for withdrawal was a misdemeanor charge from three decades ago. I believe this decision violates several legal and ethical standards, including : Fraudulent Misrepresentation of Position Salary : XXXX appears to have misclassified the position I applied for as one earning {$75000.00} or more annually to bypass the Fair Credit Reporting Act ( FCRA ) time restrictions. This position, as advertised and offered to me, does not meet that salary threshold. Under FCRA guidelines, background checks for positions earning less than {$75000.00} are restricted to 710 years. Conducting a 30-year background check for this role is unlawful.

Potential Violation of Title VII of the Civil Rights Act of 1964 : I believe that this decision may also constitute discrimination based on race and/or age. Such actions undermine equal employment opportunities and contravene federal law prohibiting discriminatory practices.

I respectfully request a thorough investigation into this matter, as well as an explanation of XXXX justification for this decision. Additionally, I am exploring my legal options, including filing for monetary damages for the distress and harm caused by this unjust treatment. 

Please contact me directly at XXXX XXXX or XXXX to discuss this matter further. I look forward to your prompt response and resolution. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-13
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. (PA)

On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to transunion that I sent to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to trans union telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. 
transunionhas failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my 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
Consumer complaint received 2024-11-08
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - {$00.00}
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MN)

On or around XXXX to XXXX, I saw a lot of pre approvals on Credit Karma. At first I ignored the information but, Credit Karma continued to send me several pre approval offers stating that I was pre-approved for credit cards, personal loans, and I can refinance my automobile. I would see offers every day I would log on to check my credit scores. So after a few months of being told that I was pre approved I thought I was now in the perfect place to apply. I got so many offers thru Credit Karma I started telling my friends and family about vacations and investments we were going to use these pre-approvals for. So I finally applied on or around in XXXX I got denied for 3 credit cards and a 2 personal loans, I was a little angry and disappointed because of the denials, and I felt deceived. I was heavily marketed too for months. So Credit Karma told me I was pre approved which was untrue. I was very stressed due to the untruth that was presented to me. My anxiety went form 0 to 100. Every time I see pre-approvals I get stressed out and uneasy. This was a trigger along with the Covid-19 pandemic that made me go into a downward spiral.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

My Equifax report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on XXXX my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XX/XX/2022. XXXX in remarks shows XXXX  XXXX but doesn't show closed.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My XXXX report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on TransUnion my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) discharged XX/XX/2022. TransUnion in remarks shows XXXX  XXXX but doesn't show closed.
Consumer complaint received 2022-07-13
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. (MD)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit regarding this incident. In addition, I have attached a PDF doc reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-30
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)

Addresses and employers that I have not been associated with and do not recognize need to be removed : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-12-07
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. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

I told XXXX, XXXX, and Equifax to reinvestigate the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights. 

They stated that everything was correct and accurate. 
This is not possible as there are multiple discrepancies with each account. Some of these accounts were paid in full. Some were opened and closed on improper dates. Missed payments that were not missed, etc. 
Illegally shared payment history and personal information with debt buyer companies. 

I have listed all applicable laws below that these companies broke : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) ( 2 ). States that a consumer reporting agency can not furnish a account without my written instructions and consent.

15 U.S.C 1681 Section ( A ) ( 5 ) States that 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. 1681 Section ( 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 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

This is in regard to Nelnet - when we initiated the Parent Loan for our son there was a program for Federal Employees, in our case the XXXX XXXX XXXX, that stated if we paid our payments on time every time for XXXX years the balance of the student loan would be paid in full and no charge to us. 

Unbeknownst to us, my husbands name ( he is/was at the time in XXXX XXXX XXXX ) was removed from the loan when Nelnet purchased the smaller loan company ( Nelnet purchase XXXX. XXXX was the original lender ) I contacted Nelnet as we were so upset by this and all they said was " we can not find his name in our files '' We have almost perfect credit and not only did I pay ontime, I always paid more toward the principal as the interest rate was XXXX XXXX This has been the most frustrating and dishonest credit practice I've ever encountered. And there was nothing I could do - The Federal Student loan system is rigged as they are full of high interest rates and false promises.
Consumer complaint received 2020-11-24
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. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.
Consumer complaint received 2024-09-11
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. (GA)

I was stunned to find wrong accounts on my credit report tonightI have no idea where they came from. I regularly check my credit report, and everything has always been fine, but not this time. I even refreshed my browser, hoping it was a temporary issue, but the inaccuracies didnt disappear. Im really upset and am requesting that my submitted documents are reviewed in detail, so I can finally stop worrying about this ever happening again.
Consumer complaint received 2024-11-08
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. (TX)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.