davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete and correct the following information in my file. THIS IS NOT MY FIRST TIME I HAVE REACHED OUT PERTAINING THIS MATTER!!! The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-06-08
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX/XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

They say I owe 2 loans one for XXXX $ and one for XXXX $ and it was taken out sine XX/XX/XXXX XXXX the lender is department of education Nel Net and this loan is completely impossible because I never took a loan out in fact the time frame their saying this happened I was actually homeless, XXXX XXXX XXXX XXXX XXXX In no way shape or form was I ever thinking about going to school this is fraud. I've contacted thos loam place 3 times and they keep saying their Sending paperwork for fraud papers to fill out and then nothing comes in the mail. This is on my record and I've never went to school!! My banker told me to contact you guys for help.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CA)

I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. 

Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.
Consumer complaint received 2023-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

My XXXX a XXXX XXXX, and I have been paying {$620.00} nearly every month for the last XXXX years. Some months I have asked for an extension because it becomes too much to keep up with other bills as I have XXXX kids. Its about XX/XX/XXXX when they approve or deny the requests for an extension stating that I have not paid enough on the car. When I check my paid balance on the car loan it says to date ( XX/XX/XXXX ) {$2100.00}. To date, I have paid {$20000.00}. They say I still owe {$24000.00} on an original loan for {$26000.00} for a used XXXXXXXX XXXX that was already over XXXX XXXX XXXX when I bought it. This is predatory lending. When I ask for financial help with the company, I am denied half of the time because I havent paid enough on the car but Ive paid nearly my entire yearly salary since purchase. This is a scam.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (GA)

XXXX and Equifax credit reporting agencies did not do a proper investigation during my dispute. They are improperly reporting my XXXX student loan account as delinquent when in fact the account has been in deferment under the C.A.R.E.S. ACT and should show paid as agreed with no late payments. Also, there are four collections accounts that are inaccurate and need to be deleted. The attached dispute letter will outline all accounts that should be deleted from my credit report immediately.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XXXX XXXX I made a large furniture purchase to replace all my flood damaged living room furniture at XXXX of {$11000.00}. I errantly gave the salesman my XXXX Citi Visa Card which had a {$9500.00} limit instead of my XXXX XXXX card which has a large limit. Citibank approved the transaction although it was almost {$2000.00} over my limit. If they had declined the card I would have immediately known I had used the wrong card. I did not realize the error until I returned home and noticed the last for digits of the Costco Visa XXXX were on the invoice. I called Citi and wanted to pay the entire balance off right then and there. The agent said it was still pending and I would have to wait until it posted. The statement closing date was XX/XX/XXXX during a three day holiday weekend. I called back at least four times trying to pay this balance off in full. The agents could not do it and the website would not allow me to pay because it was still pending XX/XX/XXXX the statement closing date. On the morning of the XXXX I made the full balance payment of {$11000.00} after an email from Citi on the XXXX said the charge had finally posted and my full payment was made then. My complaint is Citi posted the {$11000.00} on the XX/XX/XXXX statement after telling me it was still pending. This caused Citi to report to all the three major credit bureaus I was over my limit destroying my XXXX plus credit rating after repeatedly telling me it was pending. Deceptive and untruthful was Citibank. I want an explanation and removal of the information from my credit reports.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

XX/XX/2023 I received a chip debit card in the mail, issued in my name, from Citizens Bank. I have never opened an account with them. I have never heard of the bank. According to their website. Debit cards issued by them are linked to a checking account with their establishment. That the information required to do is is -drivers license/state ID #, SSN, Email Address & Phone Number. I have no idea how they were able to get all that information. 
I have called several times. Being on hold upwards to 45 minutes. I have emailed their fraud department. Telling them that I would be following up with a phone call and certified mail. I decided to go through this route to get documentation. 

At this moment, I have just now sat on hold for 56 min to be able to talk to someone at this company. Explained the situation. And put me back on hold.
Consumer complaint received 2023-06-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC. (FL)

Dispute of Medical Collection Account on Credit Report by EQUIFAX XXXX XXXX I am writing to formally dispute the inclusion of a medical collection account on my credit report. I have recently reviewed my credit report obtained from your agency, and I have identified an account that is being reported by XXXX XXXX XXXX XXXX for a medical debt. 

I believe that the reporting of this medical collection account is inaccurate and in violation of applicable medical laws and regulations. I would like to bring the following concerns to your attention : 1. Failure to Provide Proper Explanation : The collection agency, XXXX XXXX XXXX XXXX, did not adequately explain my rights to dispute the debt. They insisted that the only way to resolve the matter was by making immediate payment. This practice misrepresents my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant medical laws. 

2. Lack of Verification : The collection agency has failed to provide sufficient documentation to verify the validity and accuracy of the medical debt they are reporting. As a consumer, I have the right to request and receive verification of the debt, including itemized statements and evidence of my agreement to pay. 

XXXX. Violation of Medical Laws : The collection agency 's insistence on immediate payment without providing proper explanation or allowing me to dispute the debt violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers by ensuring fair, accurate, and transparent reporting practices. 

Based on the aforementioned concerns, I kindly request that you initiate an investigation into this matter as per my rights under the FCRA. I request that you promptly contact XXXX XXXX XXXX XXXX to verify the accuracy and validity of the medical collection account being reported. 

Additionally, I request that you provide me with a detailed response within the legally required timeframe of 30 days, outlining the results of your investigation. If you find that the collection account is indeed inaccurate or unverifiable, I insist that it be removed from my credit report immediately. 

Please note that I am aware of my rights as a consumer and will take further necessary action to protect my credit standing if this matter is not resolved satisfactorily. I trust that you will handle this dispute with the utmost professionalism and adherence to the applicable laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the disputed medical collection account from my credit report. 

Sincerely,
Consumer complaint received 2023-07-03
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-03
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2023-07-03
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-03
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)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Experian is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. see attachments.
Consumer complaint received 2023-06-25
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. (FL)

Filed a dispute with Experian Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. 

Account referred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (CA)

This is my follow-up 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 items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2022-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In accordance with the Fair Reporting act Bank of American acct # ending XXXX, XXXX acct # XXXX, and XXXX  XXXX acct # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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. 

This creditor has reported to XXXX XXXX and XXXX
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up 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 items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and Account # XXXX have 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