davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX DOB : XX/XX/XXXX | XXXX : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am writing to formally request corrections to my credit report as I have identified several inaccuracies that require immediate attention. This is the second time I am submitting this request. If the inaccuracies are not resolved, I will be compelled to pursue all legal avenues available to me, including civil action. 

Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Date ( s ) of Birth : XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer ( s ) : XXXX XXXX XXXX XXXX IN Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX Additionally XXXX I request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls.

I would like to remind you that under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as mandated by law.

Moreover, I would like to highlight the following sections of the FCRA : Section 605 : Prohibits the inclusion of outdated information in credit reports. Please ensure any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 : Requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when disputed by the consumer. 

I look forward to your prompt response and expect a resolution to these inaccuracies within the stipulated time frame.
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (DE)

On XX/XX/XXXX, I was contacted by XXXX XXXX from Global Solution Biz. He threatened to place liens on my cars and homes and to take me to court. He was very rude and made the conversation very uncomfortable by talking down to me. I was set up for payments of {$200.00} on XX/XX/XXXX and XX/XX/XXXX. The payment scheduled for XX/XX/XXXX never came out of my account, and when he called, he belittled and yelled at me, handling the situation very poorly. As a result, I paid {$200.00}, and I am supposed to make another payment of {$410.00} on Friday, XX/XX/XXXX. However, he is not giving me any information about the The company arrangement going forward. The last representative I spoke with before had no issues, and we were on the right path, but XXXX XXXX behavior has caused me XXXX XXXX XXXX XXXX Please get back in touch.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (OH)

They locked my account for making payments on the account. I asked for have the account closed and my annual fee and program fee refunded and XXXX XXXX Supervisor refused to refund the program fee. He also refused to provide his manager. At which point I asked to keep the account open because I need to resolve the XXXX I paid for the program fee too if they won't let me use my account. I have never a credit card company that has issues with payments being made.
Consumer complaint received 2024-07-25
Product: Credit reporting 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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX advantage to XXXX. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at XXXX to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Social # XXXX XXXX XXXX ( a ) ( 4 ) There is a need to ensure that consumer report agency exercises there grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please delete all other addresses, I can not receive mail or any other correspondence nor do I have access to any of these addresses, please delete these addresses other than the one listed above. 
My only phone number is ( XXXX ) XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy, NOT granting me my rights is a direct violation of 15 usc 1681 and all its subsections
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX.- Account # XXXX Account name : Department of Education.- Account # XXXX Account name XXXX XXXX Account # XXXX Account name : XXXX  XXXX. 

Account name : XXXX XXXX Account name : Screening Reports Account name : XXXX XXXX XXXX XXXX, Has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681.

And according to 15 USC 1681 they are supposed to do this. Treatment of inaccurate or unverifiable information. 

In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file for the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, And according to 15 USC 1681 they are supposed to 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX advantage to XXXX. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at XXXX to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.
Consumer complaint received 2024-07-26
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. (LA)

Hello, My name is XXXX XXXX and I been unknown negative information on my credit report that I have been disputing with Transunion, XXXX, and XXXX trying to get this unknown inaccurate information removed from my credit report. I have been reaching out to these companies since XX/XX/year> and they continue to ignore my request and violate my rights as a consumer. These companies are treating me unfairly which has caused me financial hardships for my family and myself due to this inaccurate unknown information which is negatively affecting my credit report. I have loss employment and housing due to this negative unknown information reporting on my credit. I am requesting your help to please hold these companies accountable for violating myself and the law and demand them to remove this negative inaccurate unknown information immediately.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Chase sapphire reserve travel insurance benefit issues. Filed a claim for missed travel plans due to XXXX in XX/XX/XXXX. Insurance confirmed and verified all the information. It's been XXXX weeks since they promised to process the claim, but still no response. Sent emails and placed multiple phone calls with supervisors. But to no avail. No one call me back to explain reason for delay in processing my claim. Claum is with management department. Bad faith insurance company through XXXX.
Consumer complaint received 2024-08-01
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. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-10-17
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX XXXX  Inquiry date- XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Incorrect Credit Reporting by Experian XXXX XXXX XXXX XXXX Account Account Number : XXXX Issue Description : I am filing this complaint against Experian for reporting inaccurate and incomplete information regarding my XXXXXXXX XXXX XXXX account ( ending in XXXX ). I believe that the reporting violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, the following legal provisions have been violated : 1. 12 CFR 1006.34 ( b ) ( 5 ) Validation Information : Itemization Date : I was not provided with an accurate itemization date for the reported debt. The validation of the debt lacks clear information on the date of charge-off, last payment, or any other relevant date.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Validation Notice : The validation notice I received did not clearly and accurately disclose the name of the original creditor or provide sufficient detail about the nature of the debt.

3. 12 CFR 1006.34 ( d ) Form and Content of Validation Notice : The communication I received regarding the debt was unclear and misleading, making it difficult to verify the debt. The validation notice failed to meet the required standards for clarity and comprehensibility.

4. 15 USC 1681-S2 ( 7 ) ( A ) Duties of Furnishers of Information : Under this section of the Fair Credit Reporting Act, XXXX XXXX  , as the furnisher of information to Experian, is required to provide accurate and complete information to the credit reporting agency. However, the information provided about my account is inaccurate and incomplete. 

Despite multiple attempts to resolve this issue directly with XXXXXXXX XXXX and Experian, no correction has been made. I request that the CFPB investigate this matter and ensure that my rights under these federal regulations are enforced. I ask that Experian and XXXXXXXX XXXX XXXXXXXX correct the inaccuracies or remove the erroneous information from my credit report. 

Desired Resolution : I request that the CFPB take action to investigate this issue and require that Experian and XXXXXXXX XXXX remove the inaccurate and incomplete information reported on my credit file. Additionally, I request that both parties provide me with documentation verifying the accuracy of the information they have been reporting. 

Additional Information : Attach copies of any correspondence with Experian and XXXX XXXX, as well as any documents that support your claim ( e.g., credit reports, letters, etc.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX, and I am submitting this complaint myself without the involvement of any third party. Attached is a detailed letter outlining the fraudulent inquiries being reported on my credit report. 

The accounts listed in the attachment are all fraudulent inquiries. I have never had any transactions with the entities associated with these inquiries, and none of them have been verified.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Have a Hard Inquiry on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX which was put on here on XX/XX/year> I never heard of these people and I haven't applied for any thing I called the XXXX ( XXXX ) XXXX number and the lady said they was a loan company I told her that I didn't apply for nothing. Then she said she had an application that was in their office approved for XXXX dollars. I told her I didn't apply for that so she said you might be a victim of identity theft .You need to file a police report