davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc. (AZ)

Per the FCRA ( FAIR CREDIT REPORTING ACT ) 15 usc 1681 as a federally protected consumer. I am now " opting '' out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and non verbal, per 15 usc 6802. These fraudulent agencies also fall under THE FAMILY AND EDUCATIONAL PRIVACY ACT OF 1974! ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I checked my credit report and I have accounts on my profile that are hurting my credit profile. I am requesting physical verification of these accounts. I am requesting physical verification of the original signed consumer contract. 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verfiy through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fradulent account. 

I demand that the following accounts be verified or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My sister and I were on a FHA loan. We decided to sell the home and requested our loan servicer ( XXXX  ) to place us in forbearance during that process. They agreed, and the loan was approved for forbearance for XXXX, XXXX, and XXXX of 2024. When XXXX came and the home still wasnt sold we asked if we needed to pay the entire amount due or if what was owed could be placed at the back of the loan, so that we could start fresh with XXXX payment. We were approved and placed in a trial program ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was to start XX/XX/year>. We never missed a payment and were never late. We sold the home XX/XX/year>. While in the trial program, the loan was transferred to a new loan servicer ( XXXX XXXX  ). On my credit report the mortgage loan reports as XXXX  days late, which is inaccurate. An approved forbearance can not be reported as XXXX  days late and, while in the trial program we were never late. I disputed this inaccuracy with all XXXX Bureaus and the information has not been updated to reflect accurate information. Due to this error, I can not buy a home now or in the near future and am forced to rent a home for my family. I have attached the proof of XXXX  and XXXX XXXX. I provided this same proof to the Bureas.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

XX/XX/year> company sent customer a email. The email subject was to open your account addresed to legal name. The website has a membership ID of an invalid name associated to customer 's birth-given name that is legally 3 letters long and stands for something. The membership ID is under false pretense of a single letter name & stands for nothing taken from clear signature in social security number to sabotage customer. 
Apon entering set-up for account the website did not welcome me by the same name titled in email. The web administrator changed birth-given name from legal 3 letter name of social security number signature to the false pretense of a one letter name that stands for nothing with visible name error of a lower case letter after space. The administrator applied XXXX military person commands to civilian XXXX person 's birth-given name that is legally 3 letters and stands for something to sabotage customer whom is a civillian clear XXXX person issued by state a perfect credit file.
Consumer complaint received 2024-08-27
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. (KY)

I am writing to formally lodge a complaint against XXXX XXXX XXXX and Experian, XXXX and XXXX for their failure to remove an inaccurate collection account from my credit report, despite multiple attempts on my part to resolve the issue. 

The account in question is held by XXXX XXXX XXXX, This account, was inaccurately reported on my credit report dates XX/XX/XXXX. I have never had any dealings with XXXX XXXX XXXX or XXXXXXXX XXXX, and this account does not belong to me. 

On XX/XX/XXXX, I sent a dispute letter to a ; ; aforementioned credit agencies requesting the removal of this erroneous account. In compliance with the Fair Credit Reporting Act ( FCRA ), I provided documentation proving that this account was incorrect. Despite this, they failed to remove the account, instead choosing to maintain this inaccurate information on my credit report. 

On XX/XX/XXXX, after the CRAs initial refusal to delete the account, I sent a second, more urgent dispute letter. In this letter, I reiterated my demand for removal and referenced the specific section of the FCRA15 U.S.C. 1681i ( a ) which mandates a reinvestigation of disputed information within 30 days. I clearly outlined that if the account was not deleted within 15 days, I would escalate the matter by filing formal complaints with your agency and the Federal Trade Commission ( FTC ). 

Unfortunately, as of XX/XX/XXXX, the CRAs have failed to comply with its obligations under the FCRA. Given the continued presence of this inaccurate information on my credit report, I believe that both XXXX XXXX XXXX and the CRAs are in violation of federal law, specifically the provisions designed to protect consumers from the damage caused by incorrect credit reporting. 

This inaccurate information has adversely affected my credit score and could potentially cause further financial harm. The negligence displayed by both XXXX XXXX XXXX and the CRAs is unacceptable and has forced me to take this matter to your agency. 

I respectfully request that the CFPB take immediate action to address this issue. I seek the removal of the erroneous account from my credit report and a full investigation into the practices of both XXXX XXXX XXXX and the CRAs concerning this matter. Additionally, I request that any negative impact on my credit score resulting from this error be rectified. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (FL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-27
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. (FL)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2019-12-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TN)

Spoke to NCB Management about this account and advised them that the original creditor removed this debt because it was a result of identity theft. The original creditor from my understanding is XXXX XXXX They indicated they were not aware when they purchased the debt and further action would cease. Now they have put it on my credit report.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (CA)

I had an existing LOC on my house... the balance was XXXX for a significant amount of time. Suddenly there's a charge of $ XXXX on my credit and XXXX XXXX is putting me in default. I never used my LOC, I never charged anything, it is 100 % FRAUD. The bank can not tell me or figure out or trace how the check was written, cashed, or used online. I have no idea how the XXXX change came on my credit report/ LOC and the bank can't give me details either. I am not showing XXXX  days late on my credit report for a non payment on a charge I never did. This is fraud. Please help
Consumer complaint received 2024-09-23
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-26
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. (MS)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found other accounts on my credit report as well that were not opened by me. This has been hurting my credit as im trying to obtain living for my family. Please remove fraudulent account as soon as possible. Thank you
Consumer complaint received 2024-08-26
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. (CA)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-27
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. (FL)

Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Im not aware of this debt of {$1600.00}. I never signed a payment agreement with this company. Please show me my signature or remove from my credit report.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (OR)

My loan was transferred to XXXX XXXX, which I did not initiate. Payments are being made, yet they have not submitted this to the credit reporting agencies. They said it takes 30 - 60 days for them to do so. This is unfair because it negatively impacts credit scores.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-26
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. (RI)

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.

Below are the following accounts; According to the following laws, these accounts are inviolated of my rights.

15. U.S.C 1681 section 602 A. State 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.

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.

I request each account be reviewed for accuracy ( account started, issue date, payment dates, etc. If the information on the accounts is inaccurate, according to crediting reporting, and consumer law they must be removed.

Account Numbers and Names : -DEPT OF
EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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)

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 Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
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. (PA)

This is a notice to the consumer reporting agencies that they are improperly using my credit report. I noticed that there are several charged off/ cancelled debt on my consumer report that can not legally be there and the accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. However when this is mentioned. you just say that the accounts are " accurate ''. I am NOT asking for verification of the accounts, I know the accounts are mine but this is a way for you to stall and deflect. So now, I am requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I went to XXXX XXXX for a promotional treatment. After treatment, they were not letting me pay for the service that I had and were forcing me to sign up for additional services I declined it but they still kept pushing me and pressuring me to the core. I said let me ask my XXXX they were not letting me call him saying he would not let you sign up for it. They said if I don't like the service I can ask to cancel it I just have to fill out a form and they will do the refund. With service, they said they were giving me complimentary products some creams, and a XXXX massager for free. Since they didn't have a neck massager they said when I would come back for treatment they would give me then. I never gave them my Driver 's license and they signed me up for Care credit service when they gave me the receipt, the receipt was made for the products ( free products ) and not for the services. When I asked why for products and not for the services, they said they could not give bills for services because the credit card company would ask for a brief description of the service ( some excuse ). I even told them but I see you wrote products are not refundable they said it's for people who only buy products. They even charged {$1000.00} for the neck machine I never got. They made me sign a simple form for a Care credit charge and I left. The next day I went to do the return because I realized I was forced to sign up. The lady over there is asking for my driver 's license I wondered why you want my license now and why not when you signed me up for the services. She said it's our policy. She said please fill out this form and we will let you know about your refund. After a few days when I pushed them for return, the lady sent me a notarized receipt written " Non Refundable '' with my driver 's license on it. I was shocked to see it because when they made me sign up nothing was written I didn't even give them my driver 's license and no notary was done then. These people are frauds and they scammed me big time giving me false information while forcefully signing me up for their services. I called Synchrony Care Credit Card company about the fraud they said it is not a fraud because we see your signature and your driver 's license ( which I didn't give them while signing up ). They directed me to the dispute department and I opened 2 disputes which they closed without explaining. I even submitted a police complaint and an XXXX fraud complaint. Still, they didn't resolve the dispute and didn't remove the charges. I request you to please look into this as it has tremendously affected my credit score.