davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (MD)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Financial Protection Bureau [ CFPB Mailing Address ] Attn : XXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely. 
Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974. 
Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law. 
I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.
Consumer complaint received 2023-12-27
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-11-19
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. (VA)

This account in in violation of 15 U.S. Code 1681 5 2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. Delete this account from my credit report due to FCRA violations. I have requested the information from experian that they use to verify these accounts. XXXX ignored my request and sent nothing. I have disputed these accounts 3 times and requested information since XX/XX/scrub>XXXX XXXXXXXX just ignore my request for information and notate my account verified as accurate. And never provided any information this used to verify.
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (VA)

Ive tried on several occasions to apply for the SAVE plan via MOHELA website at myaccount.mohela.studentaid.gov and by phone, but was not allowed to. As a result, I have accrued interest rates that I can not pay. My loan is increasing because of my inability to apply for the SAVE plan.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I reviewed my credit report because I want to buy a house. I seen late payments for account : XXXX XXXX XXXX late payments {$190.00} Balance updated XX/XX/2023 Account info Account name XXXX XXXX Account number XXXX  Original creditor - Company sold - Account type Sales Contract Date opened XX/XX/2023 Open/closed Open Status Open. {$40.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$190.00} Balance updated XX/XX/2023 Original balance {$240.00} Paid off 21 % Monthly payment {$10.00} Last Payment Date XX/XX/2023 Past due amount {$40.00} Terms 24 Months Responsibility Individual Your statement - Payment history 2023 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XXXX - 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control.

This is unlawful according to 15 U.S.C 1681a ( 2 ) ( a ) ( i ).
Consumer complaint received 2024-05-03
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)

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. 

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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-12-27
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. (TX)

I reviewed my credit report and noticed some inaccuracies. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their agility with maximum accuracy. I was not XXXX  days late on the account ( XXXX ) in XXXX of XXXX  as reported by Experian. The second error is the Past Due Balance on this account is incorrect and should reflect {$0.00}. Please investigate and provide proof of the inaccuracies that have been reported. If proof can not be provided, I demand that this information be updated or the account be removed from my credit report. Thanks, Please see attached.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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. (IL)

I, XXXX XXXX XXXX, declare that I became aware of the existence of the following XXXX XXXX XXXX XXXX accounts when I received a notification indicating that my Social Security number and other personal information had been compromised and was found on the dark web. This discovery alerted me to the possibility that my identity had been stolen and misused. 

The XXXX XXXX XXXX XXXX accounts in question, which I did not authorize, include : XXXX. XXXX XXXX XXXX XXXX XXXX : Charged off, {$6400.00} written off XXXX. XXXX XXXX XXXX XXXX XXXX : Charged off, {$1600.00} written off I did not open, authorize, or use either of the accounts listed above, nor did I consent to anyone else using my personal information to do so. These accounts were created or accessed fraudulently using my stolen identity. 

I request an immediate investigation into these accounts and for them to be flagged as fraudulent. Please remove these accounts from my credit report and ensure that any balances or negative entries do not impact my credit score.
Consumer complaint received 2023-12-27
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. (GA)

on XX/XX/2023 i check my personal credit report which i required from XXXX. I noticed unauthorized credit inquiries and accounts had been made. i did not approve these inquiries or the accounts and they are fraudulent. i submitted a report XXXX XXXXXXXX XXXX and sent out letters to the bureaus to get the inquiries and accounts removed. however, i feel they are not taking it seriously so I'm submitting a report with cfcb now to see if they can help me fix this issue.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXXXXXX XXXX  remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.
Consumer complaint received 2023-11-01
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Consumer complaint received 2024-03-15
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: CITIBANK, N.A. (FL)

The fee is for the rental of a vehicle that was defective/damaged and returned to the rental company. I have sent proof several times via email to citi, they have open and re open the investigation a few times, I escalated it recently with the executive office but citi has failed to correct the issue. 
Once again the item was defective and did not work, not only that but placed my family at risk by the vehicle stopping working in the middle of no where with NO HELP from the rental place at all. This Will escalate if citi doesnt correct the issue. 
I have send citi screenshots of the times I communicated to the rental place of the car being defective and when it broke down. That charge is illegal. 
Date was XX/XX/year> amt XXXX
Consumer complaint received 2023-12-27
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. (MS)

On my credit report from Experian, there is a debt owed to some company named XXXX XXXX XXXXXXXX in XXXX XXXX, CA. I filed a dispute with Experian and they indicated as valid and updated the collection agency ( which has never contacted me ) named XXXX XXXX XXXX had a correct claim against me from some business named XXXX XXXX XXXX for {$900.00}. I wrote a letter to XXXX XXXX XXXXXXXX to ask what this was, and the letter was returned to me " return to sender-attempted-Not known-unable to forward ''. 
Experian and this collection agency and this company have never produced any documentation that I owe {$900.00} to XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a mortgage with NationStar Mortgage. I try to pay my mortgage in aaaa advance by 1-4 months. I also pay extra principle with most all of these payments. I submit via mortgage coupon or wire transaction notes my instructions on which month to credit the payment towards and the balance towards extra principle payments. The company will not abide by these instructions and choose their own way to post the payments. 
Sometimes it is all to principle, other times not. I have to call in or email in my complaint and THEN and ONLY THEN will they post it correctly. 
They insist I sign up for XXXX of XXXX plans to have my payments directed. I Have chosen none of these as I want to direct my payments as my funds allow well in advance if I can. They REFUSE to post as I ask them to with each payment. Is n't this illegal? Why have transactions notes or Mortgage coupon notes if you wo n't read them? I have never, ever had such a problem in 30 years. Can I demand they read this or demand transfer my mortgage to a company more traditional? Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED (GA)

A XXXX XXXX XXXX provided gutter cleaning to a home I previously owned but they billed me. We were able to resolve via email that I did not owe the debt, however, the debt was still sent to a collection agency ( NCSPlus ) and they subsequently added it to my credit decreasing my score by XXXX points. 

A XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX NCSPlus XXXX East XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX EMAIL XXXX TELEPHONE ( XXXX ) XXXX ExtXXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NC)

I contacted the company to let them know I felt like someone used my identity to obtain the credit cards. I never received a statement in the mail and I disputed it with the credit bureau because I do not recognize the accounts that has been reported on my credit report.
Consumer complaint received 2024-01-06
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 XXXX  accounts, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy. 
15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-03
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. (CA)

I have communicated with TransUnion prior to date of : XX/XX/2024 in which, I have challenge the accuracy of 'two accounts ' that have been on my TransUnion Credit report ( given to me by TransUnion ). 

XXXX has Investigated the same incidents below and have 'REMOVED AND DELETED ' the Inaccurate information ( see attached ) these two accounts are : XXXX. XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ''I DO NOT HAVE A BINDING AGREEMENT NOR A CONTRACT WITH THE TWO ABOVE ACCOUNTS ''. 

On XX/XX/2024 TransUnion has updated those two accounts ( please see Uploaded documents ), thus Proving that TransUnion has been REPORTING INACCURATE information prior to date : XX/XX/2024 in which has been Violating my rights under the following : My rights have been violated : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

TransUnion is reporting Inaccurate information pertaining to my 'Last Name associated with my Social Security Number '
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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, XXXX, Experian, and XXXX.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

Equifax ; XXXX  and XXXX  are incorrectly reporting a charge-off in the amount of {$5300.00} on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a charge-off that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-05-03
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. (NC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.