davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (PA)

Hello, Im trying to get the information on my file deleted. The items listed on my report are the ones I need deleted. I am a victim of identity theft and I did not make the charge. I asked for the items to be deleted to correct my credit. I also reported the theft of my identity to the federal trade commission and I have copies of the federal trade commissions identity theft affidavit. I would really appreciate it if you can delete those items as soon a you can as it is holding me back. Im trying to improve in my life by getting things situated to help provide for me a my kids. Thank you!
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (TX)

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.

The letters are stated with items and issues.

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 2023-06-22
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 2023-06-22
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: EQUIFAX, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-16
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. (CT)

In accordance with the fair reporting act XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. 


XXXX XXXX XXXX # XXXX Balance {$500.00}. 
XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Consumer complaint received 2023-06-16
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. (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.

The letters are stated with items and issues.

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 2023-06-16
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)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian, is classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXXXXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states 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. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. See Exhibit B for the accounts I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. Experian is in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.
Consumer complaint received 2023-08-09
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. (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.

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 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 2023-06-16
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 Sent all my documents to all 3 credit bureaus. They have not sent me anything proving that these fraud accounts are mine. I requested the step by step procedure on how they verified and they have failed to do so. so by law these account must be removed asap. I contacted XXXX XXXX XXXX XXXX and also the attorneys general for this matter I f i have to i will seek compensation for this illegal situation that 3 of the credit bureaus did. I am going to request that the accounts be reinvestigated and removed asap from all 3 bureaus. per 15 usc 1681 you must listen to the consumer. I am telling you that these accounts are fraud and are a result of identity theft/fraud.
Consumer complaint received 2021-04-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I mailed dispute letters to XXXX, Equifax, and XXXX  regarding the correction of several inaccuracies on the following accounts : XXXX XXXX - xxxx ... XXXX XXXX XXXX  - xxxx ... XXXX XXXX XXXX XXXX  XXXX XXXX - xxx ... xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX - xxx ... XXXX In accordance to 15 U.S. Code 1692g , XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX  ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MI)

On Saturday, XX/XX/XXXX, I was on my Delta SkyMiles app looking for a last minute flight from XXXX to XXXX, roundtrip. I selected a departure flight from XXXX on Saturday, XX/XX/XXXX. I selected a return flight from XXXX on XX/XX/XXXX. When it was time to complete my purchase, there was an offer to apply for a Delta SkyMiles Gold from American Express card & upon approval, receive a {$250.00} statement credit when the purchase was complete. On top of that, you'd get XXXX bonus miles after making {$2000.00} in qualified purchases within the first 6 months of opening the account. To me, that seemed like a GREAT deal, because my flight would now only cost me {$350.00} after I would get that statement credit. So I applied, I was approved, and then was prompted to complete my transaction. That's when I received an error that the card I tried to use was not recognized, and that I should check my email to retrieve the temporary card number to complete my purchase. So I did that, and STILL could not complete my purchase. I tried several times and triple checked that I was entering the temporary card information correctly. After trying for about a half hour to make my purchase, I gave up and decided I would call in the morning. 

When I spoke to American Express customer service, I was told there was nothing they could for me except offer me a {$15.00} statement credit for the inconvenience. In addition, the last-minute flight that I wanted to book went from {$600.00} to {$730.00} overnight. So if they couldn't honor the price from the night before, I could at least try to book it at the higher price now because I would still get the statement credit, right? Wrong, I would now need to wait for the physical card to arrive in the mail before I could make any purchases. This is where I felt scammed. I had to wait until Monday, XX/XX/XXXX, before I could speak to anyone in " New Accounts '' at American Express. Once again, I was disappointed by their customer service as they could not even help me with completing the transaction with Delta over the phone. This made absolutely no sense to me seeing as it was a Delta SkyMiles Gold from American Express Card... how are the two not the same entity?

In summary, I feel like I got scammed into applying for a credit card that I now have NO USE for as it will not arrive in the mail until after my planned departure date. This is the worst experience I've ever had with both American Express and with Delta.
Consumer complaint received 2023-08-09
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 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.

The letters are stated with items and issues.

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 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (AL)

I filed XXXX XXXX  bankruptcy ( no-asset ) and is dismissed. I contacted the credit card company and advised them I had filed. I disputed several times with the bureaus and they continue to report non payments every month and I know its illegal due to they went into the bankruptcy. Opens credit card account in XXXX of XXXX and filed ban XXXX  XXXX in XXXX of XXXX. Dismissed in XXXX of XXXX. They continued to take payment automatically for 5 months. I stopped the auto payment and have been reporting missed payment for every month after. I have consulted an attorney and he recommended this report
Consumer complaint received 2023-06-16
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I went to XXXX XXXX with the understanding I would not be paying money back. My XX/XX/XXXX taxes were kept this year due to Default on Federal Student Loans through Sallie Mae. I did sign some papers when I started there in XX/XX/XXXX and XX/XX/XXXX with the intent of not having to pay any money back. I called Sallie Mae on XX/XX/XXXX and they informed me that my loan was sent to another company in XX/XX/XXXX. I ran my credit, and according to my credit history my balance owed to Sallie Mae is {$0.00}, and my loan was transferred three times. I have filed my taxes every year with my husband and have never had any money taken for any debt I've owed for any federal misunderstandings before. I called the Dept. of Education in Texas and they will not speak to me until my loan comes out of default, they transferred me to another company, XXXX XXXX on XX/XX/XXXX. I talked to a lady there who said my loan is up to {$21000.00} or more! Now she mentioned my social security number has been in and out of offset through the Dept. of Education since XX/XX/XXXX. With setting up payment plans with XXXX XXXX for {$5.00} for 10 months they can get my loan out of default and then the Dept. of Education will talk to me. I ran my social security number through the IRS and my number comes back with zero debts and no offsets with my name or ss number on XX/XX/XXXX. This was a non accredited college, that's closed. They would not even give me my degree.
Consumer complaint received 2023-08-08
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (MD)

Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : XXXX # XXXX Experian # XXXX XXXX # XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. Also I have the credit report showing these inaccuracies. 

List of Accounts XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number:XXXX  Experian 1.XXXX XXXXXXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3.XXXX XXXX Account Number : XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX