davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (FL)

I have sent over two certified letters to both the creditor as well as XXXX and XXXX. I waited over 3 months and still have not received any validation from the creditor proving that this debt is mine. 

This debt is not mine and is unknown to me. When I sent in certified mail to the collections agency and credit bureaus asking for validation and proof, I did not receive any response. 

I want this removed as both the creditor and the bureaus are in violation of the CFPB rules. 


This is not mine and the creditors wont send me any validating documents. 


I want this removed as soon as possible.
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

On XX/XX/2022, I reached out to My great lakes my student loan servicer. On that day i requested all the payments I made during the student loan pause starting when the CARES ACT went into effect to be refunded/reversed as the Provision under the CARES ACT law. I was told the application would be submitted to the Back office were it would be processed and I should see my loan balances update in XXXX business days and receive my refunds within XXXX business days. I have Reached out numerous times to get an update on my situation and I'm told that my request is still " processing ''. I keep being given longer and longer time frames the last one I was told is that it could take up to XXXX business days to see any updates to my account. I really am in need of this money with Inflation at historic levels.
Consumer complaint received 2022-10-26
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. (GA)

I am a victim of identity theft. I didn't give written or verbal consent to these credit transactions to report to my credit report. XXXX XXXX, XXXX XXXX Bankruptcy, XXXX XXXX XXXX and Trans Union and XXXX have violated my consumer rights and refuse to remove these items. I am a victim of identity theft and didn't give or authorize 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, and XXXX XXXX to access my consumer report XXXX 

SEE ATTACHMENTS
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act XXXX Account 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
Consumer complaint received 2022-12-27
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. (MS)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have encountered with TransUnion, a credit reporting agency. 

I recently noticed that an account appears on my credit report that I do not recognize. Upon further investigation, I discovered that the account was previously owned by a collection agency. However, I have since resolved this debt and the account is no longer in the hands of the collection agency. 

Despite my efforts to have the account removed from my credit report, TransUnion continues to report it as an active debt. This is not only inaccurate, but it is also causing damage to my credit score. 

I have contacted TransUnion multiple times and provided documentation proving that the account is no longer in collection. However, the company has not taken any action to correct the error. 

I am extremely frustrated and concerned about the impact this error is having on my credit. I am seeking your assistance in resolving this matter and ensuring that TransUnion correctly reports my credit history. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OH)

They are not trying to repossess yet. On Friday, XX/XX/XXXX the vehicle broke down on the side of a major highway. I was forced to pay {$250.00} in towing fees and another {$100.00} for a mechanic. This put me at not having enough money to pay my car note. Credit Acceptance Corp XXXX XXXX, MI who is my finance company was immediately called on Friday to tell them what happened and the situation. I told them I had to get ahold of my father-in-law to see about getting help and that as soon as I was assured that I would have help that I would get in touch with them by Friday, XX/XX/XXXX. XXXX week! Since that phone call they called me twice on XX/XX/XXXX, twice on XX/XX/XXXX, 3 times XX/XX/XXXX, and so far this morning, XX/XX/XXXX at XXXX ; XXXX they have called me 4 times and texted me. This is pure harrassment! Please help!
Consumer complaint received 2023-02-14
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. (FL)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a promotional advertisement mailed specifically to me from Citizens bank. 
Despite following the instructions and funding a checking and savings account, the accounts were closed. 
The funds for the checking account ( {$50.00} ) were reversed and returned to me. 
The funds for the savings account ( {$5000.00} ) were never returned. 
I have contacted Citizens multiple times via chat, phone, and in person without resolution and am told, " We have no record of your account, so were are unable to help you ''.

We I called to speak to a supervisor, Iwas on hold for over 1 hour, connected and then was hung up on.

For proof, attaching : -photo of direct mail advertising promotional offer -email from Citizens that {$5000.00} was received -statement from my sending bank {$5000.00} was debited -screen shot of 1 hour call to Citizens.
Consumer complaint received 2022-09-21
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. (TX)

In accordance witn tne Fair Crealt Reporting act. The List or accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX Loans # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 XXXXs # 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 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 2023-04-08
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. (MD)

My concern is incorrect information being reported regarding the following. 
Tradelines. According to 15 USC 1681 section 609 states the CRA can not provide incoreect or erroneous information. 

I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions According to the statutes listed the first violation is privacy my transactions should not reported or furnished without my wrutten concent. 

1. DEPTOFEDXXXX ACCT NUMBER XXXX Last Activity XXXX XX/XX/2023 Experian XX/XX/2023 XXXX XXXX XX/XX/2023 Date Open XXXX XXXX Experian XXXX XXXX. XXXX Creditor type XXXX Miscellaneous Education Experian XXXX XXXX XXXX. Miscellaneous Finance
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

i notices my account information was all wrong also my name was wrong which i believe they violated the privacy act of 1974 using third party 's with out my consent 15 usc 1681 b ALSO they have charge offs on my report which is considered a certificate of indebtedness which is income and need to be removed from my understanding its illegal to report transaction history, the company 's that has inquires on my report i gave no consent to report and i would like to opt out with all company reporting on my report except the three major credit bureaus 15 usc 6801/6805
Consumer complaint received 2023-04-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX retailer Account name : XXXXXXXX XXXX violates 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 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 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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX XXXX ID XXXX XXXX XXXXXXXX XXXX  On XX/XX/2023 we contacted capital one due to excessive amount of emails containing information about account login and password being recovered and changed. The very same day, our account was compromised and was trialed in an attempt to retrieve funds after making payment on two separate accounts. Once we contacted capital one they immediately requested that they speak with our banks to verify validity, in which we agreed to. Banks have been successfully verified, however the account payment was made from upon being compromised was not wholly owned by either account holder or authorized user. Upon requesting verification of how account was able to logged into without security verification, capital one refused to release information and continues to hold account at full restriction. After speaking with management in fraud prevention team they state they can not assist further and requested that call be ended. After being a long time customer and having ran into this personal issue, capital one needs to be held accountable as personal information appears to be leaked. Capital one is at full refusal to even investigate the issue. No payments can be made on account as it is at full restriction, any late fees and derogatory reportings shall be halted due to unsatisfactory service from Capital One. Requesting an immediate resolve from Capital One Financial INC.
Consumer complaint received 2022-06-08
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: CITIZENS FINANCIAL GROUP, INC. (NC)

On XX/XX/2022 it was reported to XXXX XXXX that an account from CITIZENS XXXX XXXX XXXX XXXXT was opened in my name for XXXX dollar line of credit, of which half of it has been used, lowering my credit score by XXXX and who knows what else. 

I attempted to contact the parent company of this program only to run loops through their automated system, in order to dispute this account. 

I DID NOT open this, nor authorize it being opened. I am not responsible for this
Consumer complaint received 2022-06-08
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. (LA)

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 Remove item from credit reports
Consumer complaint received 2022-06-08
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. (IN)

In accordance with the Fair Credit Reporting act XXXXXXXX Account Number : 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 Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OK)

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the XXXX XXXX reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Your agency is in violation! 
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 2022-06-08
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. (NC)

In a accordance with the fair credit reporting act XXXX  account Name : XXXX  XXXX  XXXX. 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-18
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. (CA)

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from XXXX for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am interested in processing disputes on my credit report to delete an remove all information submitted in the files. this has been an ongoing issue that needs to resolved an has caused major effects to my credit report. all items listed are illegally reported an fraud. please review all listed items to delete an remove the incorrect information to help clear my file asap.
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I'm a veteran who went to the XXXX  for XXXX related issues that turned out to be none life threatening. The hospital took my information and never billed the VA. I got the VA in touch with the original creditor and they verified that the debt was fraudulent. XXXX is the only creditor left who cant seem to allow the truth and submitted documents from the VA stating my insured covered status as verification of fraud. All other creditors have removed the debt.