davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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. (CA)

On XXXXXXXX XXXX XXXX a credit card was opened under my name without my consent or knowledge. On XX/XX/XXXX I filed a police report and a FTC report stating that someone opened an account with the credit card company named XXXX under my name fraudulently. I first realized this amount was being charged because this person has charged that card {$13000.00} and this resulted in dropping my credit score XXXX points. I emailed the company explaining what happened because that was the only way I could reach out to them. They told me to contact the 3 credit bureaus and file a dispute so I did. They said they would get back to me in the first or second week of XX/XX/2023. XXXX said they confirmed the charges with that creditor and didnt accept my dispute. I am planning to mail the paperwork I was sent to these bureaus ( XXXX and transunion ). Whoever opened this account I am assuming got a hold of my XXXX account because I am not able to access my account the email under the account is theirs and when I try to contact XXXX I am never directed to an agent that can actually help me. They say they are going to reach out to me and never do. I am a victim of identity theft and it seems like no one from these companies are attempting to help me. I still have not heard back from the XXXX company.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Nelnet ( formerly, Great Borrower Lakes ) had transferred all of my ( XXXX ) federal student loans in XX/XX/2023 and received payoff confirmation. Account balance is XXXX and accounts closed ; however, Nelnet still has NOT reported this change to credit bureaus as of XX/XX/2023. Since then, I have paid off a number of loans with the new servicer XXXX in XX/XX/2023. 

I've made several attempts to reach Nelnet over the phone, email, and portal to resolve their inaccurate credit report. After waiting a reasonable amount of time without a response, I filed disputes with credit bureaus ( attached payoff confirmations, statements, and screenshots ). 

Nelnet continues to deny the loan balance change and has certified to XXXX ( and other credit bureaus ) that the information is accurate. This results in a false loan balance from Nelnet, who has not updated the credit report since XX/XX/2023.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 Balance : {$14000.00} ; XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Balance : {$560.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00}. XXXX XXXX XXXX 
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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-05
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. (TX)

I am writing to you again regarding the fraudulent accounts that have appeared on my credit report without my authorization. These illegitimate entries are severely damaging my credit standing and ability to make major financial decisions for my family 's well-being. Despite previously contacting your organization about this serious identity theft issue, the improper accounts remain on my report. 

I am formally demanding that you remove and block these fraudulent items from my credit file within four days of receiving this notice. I have included copies of my social security card and driver 's license to verify my identity, per legal requirements. If you fail to promptly rectify this misleading reporting of my credit history, I will have no recourse but to pursue legal measures to resolve this matter and defend my rights.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer 's rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX Department of XXXXXXXX XXXX- account XXXX XXXX Department XXXX XXXX XXXX- account # XXXX Department XXXX XXXX XXXX account # XXXX Department XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
I looked at my XXXX report on XXXX XXXX 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 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) R Treatment of inaccurate or unverifiable information.

( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or modified that ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer in according to 15 USU 1681s-2 they are suppose 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 2024-07-31
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my XXXX credit report on XXXX XXXX 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 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) 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 1681s-2 they are suppose 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-16
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 inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Hello CFPB, 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 and XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXXXXXX XXXX  XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX Account # ending in XXXX and Account # XXXX has violated my Rights. 

XXXX XXXX XXXX Account # Ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my Rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : 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.

15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported.

Thankyou for your attention to this matter!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted XXXX, Equifax, and XXXX to dispute a late payment reported by Regional Acceptance account # XXXX. 

On XX/XX/2023 to request validation of debt. 
XXXX Equifax and XXXX report to me the debt is valid, yet the furnisher RA has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my XXXX, Equifax, and XXXX consumer reports. It is damaging and and unlawful.
Consumer complaint received 2024-06-03
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. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : [ 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 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 ] These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt XXXX must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



Enclosed with this letter are documented proof of the expiration dates of these debts under the statute of limitations. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



Thank you for your immediate attention to this matter.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX. WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ 120-160 & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN $ XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... XXXX XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXX XXXXXXXX ON MY XXXX ACRES IN ABOUT XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING US!!! WE ARE TRUE PATRIOTIC AMERICANS!
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

This was my sixth time to complaint to you, to inform you that I want to do a follow up in the status of my request to remove these remaining inquiries in my XXXX and Equifax Credit Reports. I was hoping eagerly expecting that in my next update of my mentioned credit reports, I am expecting that these listed inquiries here will no longer be present in my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Credit inquiries that i did not authorized 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 2024-05-26
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: SYNCHRONY FINANCIAL (PA)

In XX/XX/year> My JCPENNEY account was closed for fraud and to this day I dont understand how or why? I opened this account and I explained that.It took forever for them to reopen my account up and send me a new card. Now the new card is not being reporting to the three major credit reporting agencies. I received a letter saying I need to tell them in writing I want it reported along with a copy of my drivers license which is ridiculous because I sent a copy of my license in order for them to send me my current card. Why wouldnt I want it reported? Im not going to pay to have a certified letter sent when Ive already sent the information previously. I want my account reported to the 3 major credit reporting agencies
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I made payments on this account.

The company didn't apply them to the correct account.

Bill also does not show the correct amount needed for payment.

As much I was sent a bill for the incorrect amount while also not having payments applied correctly. 

Payments were made on the account under the terms of the contract and it was closed in spite of this. 

I am again requesting payment history. 
Or a signed contract.