davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 I the consumer have the right to privacy of my nonpublic information. My financial history with XXXX XXXX is not public information and therefore should be restricted from being available to Experian. 

Per the Securities Exchange Act of 1934 once the securities are deposited and the certificate of indebtedness is given, any balance of {$1.00} or more should be credited to I the consumer pursuant to the 8-K and 10-K form submitted on behalf of XXXX XXXX with the SEC they agreed the trustee would carry out this duty. I have not received my check and this account can not be charged off when the balance due is owed to I the consumer. 

Per XXXX XXXX terms and conditions they agreed to not share my information with non-affiliates of their business. Experian is not a known affiliate of XXXX XXXX. 

Furthermore, reporting this account as such could be considered securities fraud since my social security number was used when using this credit line.
Consumer complaint received 2023-06-26
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. (PA)

EXPERIAN CREDIT BUREAU False Reporting of Credit Cards : Credit cards are all showing owed and not updated since a month ago going on and showing a high debt in which has Been paid off. 

Companies paid off : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX? XXXX XXXX are all paid off Experian has all credit cards showing owed in which there all paid off. 

My credit score went down do to paying off all my credit c cards by Experian and there is nothing but fraud going on with Experian in which I file a complaint with US attorney and the DOJ I have talk to XXXX XXXXXXXX XXXX  of filing a law suit on Experian for reducing credit scores and manipulated my credit in which paying off all credit cards. 

Experian needs to be investigated due to how they lower your score and rig with banks for money and predatory finance rigging of the financial consumer for higher rates and fees. 

There is mix use already of a woman 's name and mans name on my credit file causing mix use and lower score and incorrect information my credit file by Experian.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (CA)

I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet Experian claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to Experian that it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?
Consumer complaint received 2023-06-26
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. (TX)

I am not liable for this debt XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Consumer complaint received 2023-06-26
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. (NV)

In accordance with the fair credit Reporting act Account # 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 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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
Consumer complaint received 2020-06-26
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
DEPTEDNELNET XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 
XXXX XXXX XXXX  Balance : {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$5300.00}, XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX I made a purchase with my Chase Credit card that I was not happy with, I attempted to resolve the issue with the merchant 3 times requesting an exchange before contacting Chase to start a dispute on XX/XX/2020. My call was made on XX/XX/2020 at XXXX. I was told during the call that Chase would not file a dispute since I still had the original items purchased with the card. ( What a catch-22, I want an exchange, but can't get an exchange and can't file a dispute because I couldn't get an exchange ) I was also told I couldn't file a dispute because the phrase " We reserve the right to limit guarantee at our discretion '' was included in their return policy. So basically if you bank with Chase you can get scammed as long as you tell people your guarantee can be limited based on discretion. I was on the phone for 25 minutes while the call cut in and out and eventually asked to speak to a supervisor since I have been though the dispute process with other banking institutions before and was familiar with the process and had in my mind followed procedure before being left with the dispute process as a last resort. I was put on hold to wait for a supervisor. The supervisor arrived, and then immediately hung up. I am in complete disbelieve that Chase would so brazenly deny American consumers the a ) the ability to dispute a credit card charge and b ) the ability to speak to someone about possible resolutions. I wasn't even trying to refund a whole charge, it was a partial dispute of a receipt for a single item on the receipt so it was obvious that it was a well intended dispute.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

I have been using a money lending company called XXXX to help me financially. To do this they need to access my account which they have been able to do and now PNC wont let them access my account. Its my account so why is this possible?
Consumer complaint received 2022-08-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I feel taken advantage of since my disputes are being ignored. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (CO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (MD)

I am submitting my complaint to inform you that the XXXX credit bureaus failed to do their obligation to remove such inaccurate items on my credit file. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information. Please simply " Remove '' the items. These fraudulent items are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report that should be delete : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

I received a phone call from a person saying that I owe money to them because the doctor at the hospital send them the debt, I asked him to give me discount so I can pay it one shot, he said no, I said I am paying the hospital in payment and I just paid another bill how would I know that it is not a duplicate bills said give me time and we will talk, with the covid 19 problem everyone is trying to take care of their loved ones ' was taking care of my father ( XXXX years old ) and making sure to keep my business open and hold on to my employees it is a struggle.anyway .yesterday I was surprised he went ahead and reported it on my credit report, keep in mind I didn't receive any written mail from the ( first federal credit control ) I saw their name on my credit report with phone number that is a fax, and the other report doesn't list any phone number for communication amount is {$1300.00} my point is with all that is going on at these time, they didn't allow me enough time nor provide me with a written notice and a referenced phone number so I can have recourse I called their number it is not a working number, it is a fax number. this tactic is unfair, bcoz I have good credit, I feel I am been blackmailed by them, pay or else I will tarnish your credit, eventhough I offered to work with them, but I can't contact them, I need help
Consumer complaint received 2020-06-26
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: EdAid Limited (MN)

I applied for a private student loan recommended by XXXX University in order to attend their cyber security program. Edaid asked me to upload a picture of myself and 2 social media accounts which I did. I met the income requirements because I am a XXXX  whom makes XXXX $ a year at the time of the application and was only required to pay XXXX $ a month. Next the lender used my lowest credit score and based it off of old accounts from over 3-5 years ago which have all been closed or paid off. Furthermore when I checked my vintage score with XXXX  it was a XXXX, when I did the application it was a XXXX. They based their decision off of my XXXX  score but then I received an email which says its based of my XXXX  score. So I am getting mixed messages and feel as if I was denied the loan because of the XXXX of my skin because I qualified for the loan for XXXX . This caused me to not enroll in the program with XXXX University though I received a 90 % on my entry exam. My email is XXXX and XXXX. My phone number is XXXX. 
I emailed you earlier and you began an investigation but i lost my old information ( XXXX )
Consumer complaint received 2023-06-25
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. (NJ)

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to XXXX U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States XXXX, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve XXXX is unlawful and can not. 

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX  XXXX, XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may  NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (FL)

I was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even open.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm reaching out to you to discuss a problem with my credit report that has persisted for a while : recurrent bogus accounts. These accounts still show up on my credit report despite my prior efforts to dispute and correct them, seriously harming my financial stability and trustworthiness. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following accounts are the ones I am disputing due to their fraudulent nature : XXXX XXXX XXXX XXXX XXXX. I already reported these bogus accounts to your organization and sent all the required paperwork, including police reports, identity theft affidavits, and supporting proof, to demonstrate their false origin. These accounts keep reappearing despite my best efforts, which causes unnecessary trouble and distress. This letter directly affects my financial stability and creditworthiness, therefore please address it with the immediacy and seriousness it demands.