davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I spoke with an Equifax representative asking why they dropped my credit score XXXX points because a balance on my credit card with XXXX  XXXX bank went from {$580.00} to {$610.00}. I have never seen this in my life XXXX points for {$27.00} increase. I gave the Equifax representative my full name, SSN, DOB, Address, phone number and email address. And Equifax representative refused to give me my credit score or the reasoning for the drop of the XXXX points. In addition, to any other questions that I had regarding my credit report. I spoke to XXXX XXXX XXXX and they told me Equifax is at fault for this XXXX point in my credit score not them. NO OTHER FACTOR WAS THE REASONING FOR THE DROP OFF THE CREDIT SCORE. NO COLLECTIONS ETC...
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-10-04
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX 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 XXXX 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 2019-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Navient has misapplied my loan payments and has not followed my instructions on how to apply over-payments resulting in an increase in loan balance. 

I made a payment on XX/XX/2019 as follows XXXX Direct Loan - Unsubsidized - {$50.00} XXXX Direct Loan - Subsidized - {$200.00} On XX/XX/2019 I provided Navient with notice of the payment, the confirmation number of the payment and specific instructions regarding how these payments should be applied. The payments were to be applied to the outstanding balance of the loan and were not to advance my monthly payment. 

On XX/XX/2019 I made my standard monthly payment which includes a payment of {$250.00} to loan XXXX and a payment of {$37.00} to loan XXXX. The full amount of the payment was taken out of my bank account but only {$200.00} was applied to loan XXXX and {$0.00} was applied to loan XXXX. 

I don't know why my payment was not applied correctly or where my money went. There is at least {$150.00} in payments unaccounted for plus the interest that has accrued because Navient did not applied my payments correctly. 

Navient sends out canned responses that do not answer my questions in response to my questions. Navient fails to apply my payments correctly. Navient fails to provide an accounting of how past payments are applied when requested.
Consumer complaint received 2023-10-05
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. (GA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XX/XX/XXXX
Consumer complaint received 2023-10-05
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XX/XX/XXXX Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

I had an overdraft account at Wells Fargo that I did not open. I contacted the local branch and explained that I had not opened an account but the lady literally scoffed and made me feel stupid bc she said that would be highly unlikely to happen unless I had given someone my credentials and documents to open the fake account. I was so embarrassed ask insulted because I did not do that. so it was sent to collection agency and threatened to put me in jail for the charges not to mention the charges at the stores where checks were written. I had to pay those if I ever wanted to shoo there again. but I honestly never did open up an account at Wells Fargo noone ever believed me and I happened to see the info about wells Fargo and their shady practices and it made me think about what happened to me
Consumer complaint received 2023-10-04
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. (GA)

To whom it may concern. 
Experian credit reporting agency has violated my federally protected rights. 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 asked Experian to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate. I have disputed the account with experian and they continue to keep this account on my credit file. Experian has failed to uphold the law and has violated my federally protected rights by keeping this account on my credit file.
Consumer complaint received 2023-10-03
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. (MI)

XXXX XXXX  reported that i closed this account and reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 


XXXX reporting a past due of {$380.00} reports two late payments for XXXX and XXXX of XXXX  which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXXXXXX XXXX reporting a late payment of {$320.00} reports two late payments for XXXX and XXXX oXXXX XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXX inquiry on XX/XX/XXXX This is a violation.
Consumer complaint received 2023-10-03
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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
Consumer complaint received 2023-07-15
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. (AL)

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. 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 2023-07-15
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. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (FL)

I sign up for experian Boost By experian Like it boosts up your credit sorce base on Your bills Like water and light and phone and internet Link with your checking account I did everything and its not showing up I pay my bills with my checking account I do
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-17
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. (VA)

On the week of XX/XX/2023 I was shopping for a mortgage and multiple hard inquiries were listed on my credit report as a result. I want my score corrected and the hard inquiries removed since I shouldnt have taken multiple hits against my credit score ( with no changes, and decreasing debt ). Ive lost almost 70 points on my credit score FOR NO REASON since XX/XX/2023. There is a grace period of 14-45 days given when people shop for mortgages that I was not given. I want these errors corrected immediately. Additionally, XXXX has made it impossible for me to check dispute results by removing the option for me to view them electronically ( after verifying the account ). I can see everything else and even submit, but if I want results they want me to request by mail or call them. We live in the 21st century and I dont recall them sending me mail or calling me to ask if they could add incorrect entries on my credit report I dont expect to be put through any additional inconvenience by XXXX because I chose to file a dispute.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (PA)

I reduced a letter via certified mail, had to sign for it on XXXX XXXXXX/XX/XXXX, upon review it stated I would be getting sued if I did not contact them for payment agreement plan. 
Upon contacting Chase, they stated I had to two options 1 ) settle for XXXX and must pay in full by XX/XX/XXXX or be sent to lawyer for legal action 2 ) pay full amount owed of {$5900.00} in full by XX/XX/XXXX or be sent to lawyer for legal action. 
On this call I spent 45 minutes explaining my situation and said I could pay $ 300 month through XXXX ( {$1200.00} ) then in XX/XX/XXXX pay {$1500.00} until my account was paid in full. 
He entered and said its not an option as I owe in full or will be sued. 
I asked for escalation review and he returned and said sorry, you must pay in full by XX/XX/XXXX or we send lawyers for legal action on XX/XX/XXXX. 
I offered even to extend myself to pay XXXX in XXXX then XXXX XXXX, XXXX, XXXX and he said no you must pay in full or we will take legal action and your credit will be effected.I am at a loss, I tried to pay and enter a plan. 
He said I defaulted on a payment I said, yes bc you closed my bank account and that is why. Once I established my new checking account I resumed payments.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

I applied for my XXXX reward point in a statement credit cash value {$140.00} around XXXX XXXX my confirmation # XXXX i thought they said it wound take 4 to 5  days to receive the credit i called back after a week they said no it would take 45 days before i receive the statement credit which i should receive around XXXX XXXX so i waited over 45 days they started give me the run around putting me on hold, transferring me to another department line that never answered, I talked to a supervisors on different occasions when ever i talk to a person they respond saying i still have to wait. Now after XXXX months or more they said that i have to dispute it and that would take another 60 to 90 days of waiting for a response so now after 90 days they responded by denying me my {$140.00} statement credit and the reason for the denial was i didn't dispute the statement credit within 60 days from some date i'm not aware of because of all the run around they gave me i call back to talk other customer service representatives and they don't no what happen to my statement credit that i should have received so now i need the CFPB to investigate it for me. i think the reason for the fowl play is they never received any interest from me because i pay my debt in full before interest is charged
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress  and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-17
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. (MD)

I am demanding an internal investigation of the following credit reporting companies : XXXX, Trans Union and XXXX. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX  TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.