davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
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)

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

Here is the list of items that do not belong to me or were opened without my permission.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX  Please remove all telephone numbers from my report as well except : ( XXXX ) XXXX Please remove all the other addresses and phone numbers off my report, as they are not deliverable to me by the U.S. postal Service and they are not reportable as per FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX, XXXX. Driver License, SSN Card, and Proof of Residence
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed 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. XXXX XXXX XXXXXXXX Balanced {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-04
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)

Im reaching out for your help regarding an incorrect account thats been reported on my credit report. This error has harmed my reputation, and I need your assistance to fix it. The way my credit report has been handled has put me in a challenging situation, and the inaccurate information has severely damaged my reputation. Please correct these issues so I can maintain a stable life with my family.
Consumer complaint received 2023-05-01
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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
Consumer complaint received 2024-09-04
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. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX is reporting inaccurate information on my XXXX and TransUnion report. XXXX is reporting payment history for only XXXX months and the rest is unavailable history. TransUnion is reporting no history at all. They also are reporting to different names on my credit report. XXXX is showing XXXX XXXX XXXX and TransUnion is just reporting as XXXX. That extends the statute of limitations and it's a misrepresentation of my credit reports worthiness. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 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. Sincerely XXXX XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (WA)

I requested to be placed back in administrative forbearance on XX/XX/year> via Mohelas email and by phone on XX/XX/year>. This is because I have already exceeded XXXX payment counts for PSLF. My count is XXXX. I talked with several Mohela representatives on XX/XX/year> and was assured I would be placed back in forbearance. It is now XX/XX/year> and it is showing payments are past due. I asked repeatedly by phone and email to fix this and put my account in administrative forbearance until forgiveness is processed. I do not owe anything at this point. It has been over seven weeks since my original request to be placed back in forbearance and there has been no action. Mohela representatives stated they will place me back in forbearance, but no action on their part in seven weeks. They are deliberately refusing to follow through to cause me financial harm and further distress.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

Late Payment Reporting : MOHELA has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that MOHELA disclosed my personal loa

n information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's educa
tion records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When

a student turns 18 or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation. Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's gr ades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more phone numbers that call me from this Portfolio Recovery Associates ( the first one and all of the above ) almost every hour of everyday ( including this morning-Sunday ). I have no idea what it is about, but this is more than harassment. I have all the calls/times they've called/repeated calls and I am seeking legal counsel, and will be sharing all of these numbers and screenshots ( of just how many times this company calls me ) with attorney.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (NV)

XX/XX/year> police will not allow customer access to consumer account services. Police will not allow person to incur charges with consumer account. Police unlawfully adjusted account balance with name error from XXXX consumer account green profile name perfect balance to a fraud red latin name with limited services.
Consumer complaint received 2024-04-24
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. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-24
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. (WV)

XX/XX/2024, I made the following Experian request via the CFPB portal : Case Number : XXXX " Since you wont provide the names of the XXXX XXXX employees that submitted the fake account application on XXXX please forward a copy of my Experian Collections file from each of your three FCRA compliant platforms. This will include the database where your provide cash/account balances. '' I have not yet had a response. 

After submitting this complaint I received through USPS a postcard indicating Experian was contacting XXXX XXXX to " disclose all relevant information regarding your dispute. '' I have not received anything but wanted to provide a letter for your review from XXXX XXXX. This is attached and will provide irrefutable evidence that XXXX XXXX employees accessed my XXXX on the false pretense that I submitted an account application and will not disclose their identity. 

If Experian would like a copy of the information used in the fake account application you are welcome to contact me. Their employees used a XXXX and a XXXX area code phone number to authenticate my identity. Maybe these have been used to authenticate identity for others within Experian. 

I look forward to your response and that of XXXX XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

I file this complaint regarding my XX/XX/XXXX, payment. I am in receipt of the attached email from MOHELA dated XX/XX/XXXX. The email states that my XXXXXXXX XXXX XXXXXXXX billing statement was not sent within 21 days prior to the due date. My due date was the XXXX of the month at the time of the applicable statement. I have attached my billing statement dated XX/XX/XXXX, for my XX/XX/XXXX, due date. I can confirm that per the attached XXXX, I did not receive my paperless electronic statement dated XX/XX/XXXX, on MOHELAs website until XX/XX/XXXX, which was less than the required 21 days. I can further confirm that {$220.00} was indeed extracted from my checking account through Auto Debit. The attached XX/XX/XXXX, email states that I have the right to request a refund in the amount of {$220.00} for the XXXXXXXX XXXX XXXXXXXX payment and that a forbearance will be applied for that month. Pursuant to https : //studentaid.gov/XXXXXXXX, I wish to request a refund in the amount of {$220.00} for the XXXX XXXX XXXX payment and for a forbearance to be applied for that month. It should be noted that by email dated XX/XX/XXXX ( which I have attached ), MOHELA denied my request. I am assuming this denial was in error. My ID is attached.
Consumer complaint received 2024-04-24
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. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount XXXX USD from my XXXX XXXX account to PNC bank at the instructions of the scammers.
Consumer complaint received 2024-04-24
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)

XX/XX/2024 - {$2200.00} The company has deleted this item from Experian. 

XX/XX/2024 - {$1400.00}. The company has closed this item on XXXX. 

XX/XX/2024 - {$2200.00} is still reporting on XXXX and XXXX XX/XX/2024- {$1400.00} is still reporting on Experian, XXXX and XXXX
Consumer complaint received 2024-08-01
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: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-04
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (OK)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report.

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above.

Under the FCRA, unverified, invalid accounts must be removed.

If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within XXXX calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 Experian, XXXX, and XXXX were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.