davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2023-02-02
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with Transunion, XXXX, and XXXX, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on XXXX or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only XXXX XXXX of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with XXXX XXXX of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly XXXX points in the last XXXX XXXX. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all XXXX credit bureaus. I would also like my excellent credit scores to be restored immediately. 

Thank you for your time and consideration. 

Sincerely
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: SYNCHRONY FINANCIAL (OH)

XXXX and XXXX are saying I was past due 30 days with syncb/XXXX. I was never late with them I've complained to Syncb and they stated I was never late both verbally and by letter. I dispute over and over. Syncb responds everything reporting is correct never late. XXXX responds everything reporting is correct 30 days late. I've called Syncb and they stated they would send statement as such to XXXX but they still will not remove. I've tried everything but you or an attorney
Consumer complaint received 2022-08-12
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. (CO)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

I have several Commenity Bank accounts BJ NewYork and Compnay torrid Lane Bryant They did a computer upgrade or merger in XXXX or sometime near then they have yet to update consumer Credit file Ive called several times requesting my account info be update corrected.. I was told we are working to resolve, it will be next update, we are handling its now XXXX.. I still several accounts that are paid in full and Im showing a balance on my credit file .. as a consumer I should have to do a dispute to get my report updates the last update from commenity bank was in XXXX thats unacceptable
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have wrote the 3 bureaus several times about the inaccuracies on my report yet they keep saying the accounts are verified but haven't provided me no documents showing I authorize any of these accounts I demanded they be deleted and the accounts are still on my credit reports one one or more of the bureaus
Consumer complaint received 2023-05-12
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. (OH)

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 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 2022-06-25
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-07-15
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. (VA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 

EXPERIAN : XXXX. XXXX XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX XXXX : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX* Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00}
Consumer complaint received 2024-10-29
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. (NC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 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 2022-09-21
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: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-06-25
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. (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP (NJ)

Sometime on XX/XX/2021, I went to a mortgage broker to see what is needed to buy a house, the mortgage guy pulled my credit report and after reviewing each of the accounts, I found out multiple accounts that I did not recognized. At that time, I did not do anything, because I did not know what to do, since then, asking here and there after a few months, I started to dispute the information with the Credit Bureaus, most of the accounts are gone, I recently received a collection letter, from CAPITAL MANAGEMENT SERVICES , LP, on behalf of XXXX, XXXX, an account that does not belong to me and I am now taking an extra step to complaint on CFPB Website, and I am really hoping to see better results at this time. I have no other reason but to believe that I am a victim of Identity Theft.
Consumer complaint received 2022-06-25
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. (PA)

In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank 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 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 XXXXXXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above.

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

Received a call back in XX/XX/XXXX about student Loan Forgiveness. Spoke with a XXXX XXXX, who said he worked for XXXX XXXX. Discussed how to reduce my student loan amount. So I paid {$230.00} from XX/XX/XXXX to XX/XX/XXXX. Then, payments were paused. I thought I had paid a little over {$1100.00} towards my loans to reduce the amount. 

Then, once I got an email from Aidadvantage XXXX XXXX regarding my loan payments are to resume soon. I looked into my account and saw none of my payments I had done from XXXX 2021-XXXX 2022 reflected. I called customer service on XXXX XXXX and spoke with a representative who informed me it sounds like fraud. Since I would have to work in public service to get forgiveness. Since Im a stay at home parent I wouldnt qualify. The representative then gave me the number to their Fraud department which l called and spoke with another representative. She had me fill out a feedback form and inform to file a complaint with the Consumer Protection Bureau. So now I filing a complaint regarding fraud. I will be contacting my bank, XXXX XXXX XXXX XXXX, regarding this as well.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (FL)

XXXX XXXX XXXX XXXX XXXX  ending what XXXX XXXX XXXX is the number given.. The complaint is that this credit card company sends out offers for people with good credit lots of companies do this they send you envelopes with credit offers and fees you take them and shred them or you throw them in the trash this company decided to go ahead and activate the card and put it on my credit court never send me any information never sent me any mail or the card which I consider to be fraud because I never approve this card I never had any business with this company I never seen the car until I see this charge on my on my credit report they said theyve closed the car they waive the fee doesnt stipulate the fact that its on my credit report and theyre doing this other people Ive been closed their phone number and the name of the company milestones any questions my number XXXX my email is XXXX XXXX XXXX
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX bank Account # XXXX XXXX XXXX Account # XXXX Transunion XXXX Card Account # XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above.

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX accordance with the fair credit reporting act XXXX  account * has violated my rights. 
*-accounts 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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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 (MO)

On or around XXXX to XXXX I saw a lot of preapprovals on Credit Karma. At first I paid no attenion but I continued to get notices. I would recieve offers Daily when I would log in and check my credit score. I started feeling I was in the best place to apply. I told my kids and family that we had relieved these preapprovals and we would get out of dept and the personal loans would be helping my business move forward. Sometime in XXXX I applied for two personal loans and 2 credit cards. I recieved tons of letters in the mail. I was told by Credit Karma that I was preappoved for these loans. I was marketed for months on these loans. I was decieved by the Credit Karma. I had no job and the bills were billing up. I developped some severe Anxiety from this. I have developed a really high stress and increase in XXXX XXXXI still have companies offering me preapprovals but after I was decieved by Credit Karma I get XXXX over these incoming emails. I thought they were good for people and helping them out. Now I feel every bank and others are trying to get a finacial gain.
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (TX)

I was frayed on 4 different credit cards and until I checked my credit I did not know nothing. I never got anything in the mail. I ended up paying the account in full because it was damaging my credit. I had to pay one other one to. They had the wrong address on file and everything. I never requested for this credit card.