davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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. (NY)

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 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Subject : Unauthorized Credit Card Account Opened in My Name and Capital One 's Refusal to Close It Earlier this month, I received a Capital One credit card in my name that I did not apply for or authorize. Concerned about possible identity theft, I called Capital One ( at XXXX & XXXX ) on XX/XX/year> to inform them of the unauthorized account and request that it be deleted. 

However, during the call, Capital One requested additional personal information, such as my Social Security number ( SSN ) and date of birth ( DOB ), in order to proceed with closing the account. I refused to provide this information, as I did not want to risk further compromising my personal details with a company I had never authorized to open an account. Despite explaining this, Capital One declined to assist me in closing the account unless I provided the SSN and DOB. 

I am very concerned that my personal information has already been misused to open this account, and I am seeking your assistance in resolving this matter. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-07-19
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.

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 2023-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

Navient is a predatory lender! I obtained a parent plus loan in XXXX for {$11000.00} which is now {$25000.00}. My Mother was the co-signer at the time. The loan was for cosmetology school. I filed XXXX twice and both were discharged XX/XX/XXXX and XX/XX/XXXX and Navient refused to acknowledge my XXXX. They threatened to go after my mother if I didn't pay. I tried numerous times to make the required payment in full as they directed for 12 months to release my co-signer, only to be denied again. Every payment I made was applied to outrageous interest only and never to my principal. I recently got approved to refinance the loan through another carrier which is now {$29000.00}. Navient owes me {$11000.00} twice over for all the payments I made under my former name. I tried many times to resolve payment issues. They would deliberately place forebearances on my account when I did not request them because I live in Florida, Even after I called them and told them not to. Then they denied me releasing my co-signer. I tried to escalate my complaints over the years, but simply gave up with this company. I XXXX Navient and I told them they were predatory. Never got resolve!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2024-09-11
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. (GA)

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

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 2023-10-18
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: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX  XXXX Balance : {$5500.00} XXXX  XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX # XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$66000.00} ; US DEPARTMENT OF EDU XXXX Balance : {$3600.00} ; US DEPARTMENT OF EDU XXXX Balance : {$2900.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-10-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MI)

Nelnet today is XXXX XXXX. Nelnet ED I have been pre-approved to by a house. Nelnet I have been pre- approved for downpayment assistance. I can not keep affording to pay this high rent amount. Nelnet your going to make me renew my lease. No lender will accept my credit when they do a hard pull on my credit reports with an amount of debt over {$80000.00} Nelnet fraudulent student loan on my credit reports. This is embrassing for a XXXX XXXX XXXX women. Nelnet you have damaged my credit scores that I can not apply for convenient mortgage and other mortgage products. Nelnet ED by XX/XX/ if your name and your fraudulent student loan that was orginated by XXXX XXXX and a school code of the University XXXX XXXX XXXX was used for consolidation is not removed from my credit reports by XX/XX/. I wll be bring litigation under the Fair Credit Reporting Act. I will bring ligattion against Nelnet ED and the U.S. Department of Education. The U.S. Department of Education has a duty not hire fraudulent student loan servicers like Nelnet ED. Tell the University XXXX XXXX XXXX I am not going to pay them a XXXX and to stop using my credit reports and I have found a newspaper reporter that we are going live on television and tell this story so other people to look at their credit reports that says Nelnet ED.
Consumer complaint received 2023-10-18
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. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the ongoing issues I have been experiencing while trying to remove inaccurate items from my credit report through XXXX and Transunion Credit Bureaus. 

Over the past few months, I have made several attempts to correct the inaccuracies that have been incorrectly reported on my credit report. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the inaccurate items on my credit report and promptly contacted XXXX and Transunion Credit Bureaus. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be rectified promptly. 
After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the inaccurate items from my credit report. I contacted XXXX and Transunion Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and Transunion Credit Bureau 's requests. The inaccurate items on my credit report are significantly impacting my financial and personal well-being. 

I kindly request the following : Immediate action to remove the inaccurate items from my credit report.

Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the removal of the inaccurate items. 
Compensation for any financial losses or damages incurred as a result of these inaccurate items. I am asking for your immediate assistance to remove the following fraud items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX Inquiry : XX/XX/XXXX DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00}.
Consumer complaint received 2023-10-18
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. (FL)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

To whom it may concern I reached out to XXXX on multiple occasions to remove information that they are reporting on my credit report The information is inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss of opportunity. The following alleged Public Record they are reporting concerning me is Inaccurate and/or incomplete, and also unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted the court of Record they listed on my credit file, and they confirmed that they neither provide or verify court records to you nor any other third party. ( See attached letter ) I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any Public Record notations. ( See attached letter ) Therefore, they could not have possibly verified this information, with XXXX XXXX. I request that they delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that they included in a consumer report that they prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data and reinvestigated it due to my current dispute. Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Consumer complaint received 2023-10-18
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX ( page XXXX ), XXXXXXXX XXXX XXXX  XXXX ( page XXXX ), XXXX  XXXX XXXX ( page XXXX ), XXXX  XXXX XXXX ( page XXXX ), XXXX XXXX XXXXXXXX ( XXXX XXXX ). 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries have violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX via XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  via XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX via XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ). 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal data has violated my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( never was my address ), ( XXXX ) XXXX ( never was my phone number ), ( XXXX ) XXXX ( never was my phone number ), ( XXXX ) XXXX ( never was my phone number ). 

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