davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express is wrongfully billing me for a charge from XXXX where the merchant failed to prove I ever purchased the item and or delivered the item. I have done business with the merchant before but this particular charge is fraud because no items or services have been granted because of this. The charge amount is XXXX of which only XXXX was credited back to me, in which case Amex is stealing XXXX. I have documentation that I never received any credit back for this charge which I have not received any merchandise for, yet Amex refuses to remove this charge from my account. 
Not only that Amex consistently, disobeys the law and refuses to dispute this charge for me Amex is stealing {$8200.00} from me and no one is stopping them. Amex must be held accountable.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed XXXX of my student loan accounts with all three credit bureaus TransUnion, XXXX and XXXX via certified mail. 
I asked them to verify student loan accounts from XXXX and they didnt provide any proof that said accounts should still should be reporting balances. 
XXXX transferred all of my student loan accounts to XXXX in XX/XX/2023. 
My XXXX accounts should be reporting XXXX balances. However, now I have XXXX student loan accounts reflecting on my credit report. This is apprehending my credit creditably tremendously.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2022, I sent a letter to TransUnion Credit Bureau asking them to correct errors that I discovered in my credit file. Month after month, I noticed that these items were still reporting. The credit bureau is allotted 30 days to review my request and make the necessary corrections, but they have more than exceeded that 30 days from the time of my first letter. I have sent several follow-up letters to them, however, they were not removing the errors, nor were they providing me with documented proof that they reviewed and properly investigated my requests. If items in my credit file are not factual and can not be verified, they must be removed. However, TransUnion is not following through and doing its part in maintaining correct and complete credit file information.
Consumer complaint received 2023-09-21
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. (MI)

I am writing to complain about the 7 text messages and 11 phone calls I have received this morning within the last 30 minutes regarding refinancing my mortgage. When I asked why am I getting these calls ; the response was your credit report was pulled yesterday and your information was sold to us so we can contact you regarding refinancing your mortgage. 

My credit was pulled yesterday to obtain auto financing at the Bank I work at. I cant understand why the credit bureau the Bank is contracted with can then sell my information to another company in order to try and get me to finance with them instead. GLBA privacy regulations indicate we cant tell anyone we gave someone a loan, why can the credit bureau? This is an unsolicited intrusion into my private information.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Today XXXX I received a letter from XXXX XXXX stating that a credit application had been denied back on XX/XX/2022 and listed a credit score that was incorrect to my credit score. 

I immediately called the company was transferred multiple times with no resolution. After asking for a manager several times I was passed off to TransUnion and told they were the ones who provided the incorrect information and this was based on a review of my closed account with them. I told them this doesnt make sense because this letter is stating that I was denied for a credit card I did receive and that was closed due to inactivity. I also asked once I contact Trans Union they advise of my correct score and it does not match listed score who do I contact then. Representative hugged and did not answer my question and requested I contact Trans Union I did contact TransUnion and they did confirm the reflected XXXX score was not correct on their end and they would not have reported that. 

I called XXXX XXXX back and told them this information and was basically told they could not help me and I would have to submit written confirmation and now they could not see this letter. 

Claim XXXX  with TransUnion is XXXX XXXXXXXX XXXX Did not provide a reference number to any of my calls just that I spoke with XXXX Rep Number XXXX
Consumer complaint received 2023-12-18
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. (CA)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I declare under penalty of perjury ( " under the laws of the United States. '' if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you to do so for. I want to make it clear that I'm not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldn't file the report because I didn't have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2024-06-19
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. (NV)

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 informationisinaccurate.
Consumer complaint received 2023-12-18
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-18
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. (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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to report an issue with the credit reporting practices of a credit bureau concerning an account with a balance of {$430.00}. I have contacted the credit bureau multiple times to dispute the accuracy of the information being reported on my credit report. Specifically, the date of last activity for this account is inconsistent across different credit bureaus. 

Experian is reporting the date of last activity as XX/XX/XXXX, while XXXX is reporting the same account with a date of last activity as XX/XX/XXXX. This discrepancy suggests that the account has been re-aged, which is incorrect and harmful to my credit standing. 

Despite my efforts to resolve this matter, the credit bureau has responded by stating that the account was verified with no changes made. This indicates that they did not conduct a proper investigation into the matter, as the conflicting information clearly shows that the reporting is inaccurate.
Consumer complaint received 2023-12-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

I am an XXXX XXXX XXXX XXXX. I signed a lease with XXXX XXXX, beginning in XX/XX/XXXX with a rent of ~ $ XXXX. The agreement included a rent concession of XXXX months rent that was applied to the month of XXXX. In XX/XX/XXXX, I delivered formal notice to terminate the lease, effective XXXX XX/XX/XXXX, after receipt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) orders. Months after vacating the premises, I received a call from XXXX XXXXXXXX XXXX, indicating that I had an additional charge requiring repayment of rental concessions due to early move out. I informed the individual that I vacated the residence due to mandatory PCS orders, and that a requirement to repay rent concessions would be a violation of the Servicemembers Civil Relief Act. I also learned that my {$500.00} security deposit was retained and applied to this erroneous balance. He apologized profusely and said he would take care of everything immediately, in addition to ensuring my security deposit was returned promptly. In XX/XX/XXXX, I received notice that an account with a matching balance was being sent to collections under Columbia Debt Recovery and Genesis Credit Management with original creditor XXXX XXXX XXXXn the amount of {$1700.00}. AFter dispute with XXXX, XXXX, and XXXX, these improper collection accounts were not removed. This violation of federal law has caused undue burden, hardship, stress, significant damage to my credit, in addition to exponential financial harm.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

There are two major issues : 1 ) First, in XXXX, I submitted my application for the SAVE plan. In late XX/XX/2023, my account was placed into administrative forbearance while my SAVE application was processing. I never received any correspondence from them regarding my application by email or physical mail. However, at some point ( I don't know the exact date ) the Nelnet account landing page on their website began telling me they could not process my SAVE application unless I paid a fee. They did not say how much I had to pay, or how to pay this fee. On XX/XX/2023, Nelnet responded to my previous CFPB complaint that I had submitted on XX/XX/2023, and said that under some statute, I needed to pay {$5.00} for them to process my application. They didn't provide any instructions or link on how to pay that fee. On XX/XX/2023, I figured I would try paying {$5.00} through the Nelnet loan payment portal to see if that made a difference since I was presented no other option. Having paid them {$5.00}, this did nothing to address the issue. It still says I am required to make a payment to them before my SAVE application will be processed. See attached image.

2 ) Second, despite being told I am in administrative forbearance and that interest would not accrue during this time, my account balance is increasing daily by compounding interest. I want interest accrual stopped while they process my application.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I received an email that a card through PayPal was opened in my name without me applying for it. My only resolve was to close a PayPal account I opened 25 years ago. This business PayPal credit card has XXXX credit limit. PayPal did not check with any credit bureaus where all of my accounts are frozen to prevent fraud. I need this fraudulent card application deleted and the card account destroyed. I did not apply for this business credit card. Someone illegally applied under my name and the proper measures were not taken running a credit check with XXXX, XXXX and XXXX where all of my accounts are frozen
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer r
eporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-12-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.