davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, 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. ()

These are the hard inquiries ( & dates ) that are not made by 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 Also, I have never opened any account with XXXX, XXXX, and XXXX XXXX XXXX. My credit report shows accounts with these banks that needs to be removed. Please see attached list of accounts that are not mine and showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-22
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines : XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-11-06
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. (IL)

I have a letter from the creditor dated XX/XX/2023, confirming that the inaccuracy should be removed. However, Equifax responded to the XXXX stating that they verified the information as accurate. Based on the letter I received from XXXX, it appears to be a lie. I spoke with a Supervisor at the Equifax Call center and was told these inquiries would be removed but they are still being reported on my credit file.
Consumer complaint received 2024-04-22
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. (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report XXXX XXXX XXXX I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The agency did not provide the Form XXXX required for accurate tax reporting, exposing me to potential tax compliance issues. 
XXXX. XXXX Rights XXXX : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ), which safeguards against such unauthorized disclosures. 
XXXX. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights. 
XXXX. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( b ), and XXXX XXXX XXXX. 
Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid 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: DISCOVER BANK (NY)

I called Discover to report my card lost. I told a representative from Discover to review a summary of charges before they send me new one. After reviewing an unauthorized charge for {$4200.00} was made to my account on XX/XX/XXXX. Days after it was lost which was XX/XX/XXXX. Discover initially removed the fraud charge of {$4200.00} from my account and sent me a new card. Over 2 months later I received a letter from discover with a request to called them. I immediately called in on XX/XX/XXXX to speak with a representative from Discover to answer questions about the charge. A week later they added the fraudulent charge of {$4200.00} back to my account on XXXX XXXX which is my birthday. My birthday was pretty much ruined by this. You would think they would side with the customer in this situation with charges uncharacteristic with my normal spending patterns. In situations like this the big banks can be unsupportive to the customer. Smaller credit unions are the way to go when it comes to support. Credit unions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are usually accommodating to the customer. The big banks are a mafia.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

As the CEO of XXXX XXXX XXXX XXXX XXXX, it is my responsibility to ensure the accuracy and integrity of my business credit profile. Recently, I was informed by a lending agent from XXXX that there were several fraudulent statements on my profile. This came as a shock to me, as I have been a victim of identity theft not once, but twice in the past few years under the name of my company. I am writing this as a XXXX to inform all concerned parties that these statements are inaccurate and are most likely a result of identity theft. I am disputing these claims and requesting immediate removal from my profile. I urge for thorough verification of these statements and prompt removal as soon as possible. Thank you for your understanding and cooperation.
Consumer complaint received 2023-09-15
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. (PA)

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 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX regarding 30 days ' notice to move due to my daughter being bullied which I have a police report for. I was told I could give 30 days ' notice instead of XXXX and they would waive the additional fees. I provided my forwarding address. 

My daughter was bullied, and we had our door kicked so I filed a police report. 
The Ledger from Property did not address this until 6 months after I had moved out. 
I have been harassed and threatened to sue. I have addressed this with the collection agency. 

I have paperwork.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-22
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. (TN)

Experian, through my paid account, shows the dispute in progress ; however, once I click on each CFPB complaint to each account, they have summarily dismissed my complaints. I want to reiterate, that I filed complaints as to each account and fraud, through the CFPB ; I then filed " identity theft '' and fraud reports with the FTC ; I further mailed each bureau : a comprehensive file that contained copies of both FTC reports ; a letter of dispute on the accounts notifying them of the identity theft and fraudulent affected accounts ; all CFRA letters pertinent to identity theft and fraud, regulations, subsections, etc. ; copies of my driver 's license, SS card, bank statement, IRS 2023 filing, and met all requirements under FCRA Section 605B, FCRA Section 623 ( a ) ( 6 ) and have met my burdens. I want to state here formally, that the CRAs and furnishers, must comply with FCRA guidelines, and have a legal obligation to remove, or block, all accounts theft and fraud-related accounts and information. I am being specific to Experian due to my history of unethical, unlawful, and discriminatory actions. I as the consumer, filing under the affidavit of complaint, am accountable for my actions and was fully aware before filing with the FTC and CFPB ; that Experian would attempt to continue with its retaliatory, discriminatory, and unlawful actions. I am so certain, I am providing this complaint before they act. Not to alter the outcome that is already lawfully provisioned, but rather as further proof of the extent to which Experian will go, and to what measures. 
The CRA, having been provided by the consumer with an identity theft report from the FTC alone, obligates the CRA under FCRA Section 605B to block the fraudulent information from the consumer 's credit report.
Consumer complaint received 2024-08-13
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

On XX/XX/XXXX I applied through studentaid.gov for the SAVE repayment program and was accepted on XX/XX/XXXX ( account stated that loan servicer had completed the review the application ). According to studentaid.gov my monthly repayment amount was XXXX. 

I am signed up for automatic payments and on XX/XX/XXXX Aidvantage took XXXX ( instead of the XXXX ) that I was expecting to pay. I spent nearly an hour on their chat help service on XX/XX/XXXX and was told the reason was that I did not call them to request the forbearance period that was a part of the plan. They stated I had to call. I spent another hour that afternoon calling to have them put me in the SAVE plan that I already applied for through studentaid.gov, they asked me for all my financial information again ( that I had already given through my application with studentaid.gov ), confirmed the new payment amount of XXXX which was to begin in XXXX. 

On XX/XX/XXXX I received a notice from aidvantage that my next bill will be due on XX/XX/XXXX and will still be {$800.00}. 

At this point, they have already taken 2 hours of my time and {$350.00} from my bank account, and the result has been that they are still planning to over charge me.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2023-10-12
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. (AZ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-22
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. (CO)

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including XXXX XXXX. XXXX ( Fair Credit Reporting Act ), XXXX XXXX. XXXX ( Gramm-Leach-Bliley Act ), XXXX XXXX XXXX ( Regulation V ), the Privacy Act of 1974, and XXXX CFR XXXX ( Privacy of Consumer Financial Information ). 
**Violations Noted : ** XXXX. XXXX U.S.C. XXXX mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
XXXX. XXXX U.S.C. XXXX obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions. 
XXXX. XXXX CFR XXXX ( XXXX XXXX ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
XXXX. **The Privacy Act of XXXX protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under XXXX XXXX XXXX and specifically XXXX XXXX XXXX ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit reporting agency is reporting information on the consumer report that is incorrect and not accurate such addresses and phone numbers I've also ask for documents to verify the debt is verified from the original creditor they have listed and that the open date listed is correct I've yet to receive any documents it seems like it's the same process happening they wait a couple days respond nothing changed I will like to see documents of the steps taken to resolve the issue the consumer rights is being violated according to the FCRA