davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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)

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 use 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 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2018-06-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (VA)

I received a notice of late payment on my credit report from Nelnet. When going in to details on why I have not received my statements it was because they had a wrong address on file as to why I could not receiving statement. I contacted Nelnet n XX/XX/2018 thru CEO XXXX XXXX no response from him and Customer Service Solutions asking for my credit report and then nothing.
Consumer complaint received 2024-04-17
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. (LA)

. 
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 : At & t Account name : tower Loan, Account name : Mortgage Account name : All other negative accounts 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 XXXX 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 the15 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 XXXX 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 2023-11-06
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)

The Information as Shown Below Must Be Investigated Immediately. 
Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do recognize that you deal with an enormous amount of data, which led to the creation of the E-Oscar system, which is partly owned by all of the agencies represented in this letter. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. 
I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted.
Consumer complaint received 2024-04-17
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)

I am writing to formally dispute an inaccuracy present on my credit report, which I obtained from your agency on. This letter is to request the immediate rectification of erroneous information that appears to be adversely affecting my credit score and financial standing. 


Identification of Disputed Item : The address listed as Incorrect Address on the credit report is incorrect. I have never resided at nor conducted any financial activities from the aforementioned location. This error is noted under the section labeled " [ specific section of the report where the address is listed ] '' on my credit report file. 

Request for Correction : I request that this address be investigated and removed from my records at the earliest possible convenience to ensure the accuracy of my credit information. 

Documentation for Verification : Please note, for verification purposes, I am willing to provide, upon request, necessary documents that validate my current address and substantiate my claim. These may include utility bills, a copy of my rental agreement, or government-issued identification documents. 

Actions Taken : To address this issue, I have already such as contacting the creditor and inspecting of my credit reports Conclusion : Given the potential negative implications of inaccurate information on my credit report, I respectfully urge for a prompt investigation into this matter. I expect a response within the statutory timeframe of 30 days upon receipt of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and look forward to your swift action to rectify this inaccuracy.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have been fighting a collection that does not belong to me with 4 different collection companies from XXXX, every time I ask for proof of debt and tell them I have never had XXXX XXXX, they remove the collection from my credit report and then reinsert it on my credit report a month later, or put it under a different collection company, I have lived at the same residence for the past 10 years and have always had XXXX which I can provided the bills showing that I have, each time I provide the proof to these collection agencies they remove it and then reinsert it on my credit report which is illegal, or transfer it to a different collection company, I have also reported this to XXXX, XXXX, and Experian, which I have proof of, and they have never once provided a notice of reinsertion within the 5 business days as required by FCRA law, they all continue to allow this to go on and affect my credit, which is hurting me financially. The collection companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am uploading some of the letters that was sent, and the Certified USPS receipts proving everything I am saying is factual, I have other letters and proof of this illegal practice that I intend to show in Court when I sue for continued harassment, financial loss, and a lack of effort on the credit bureaus part to provide factual reports, there is no way these collection agencies could get away with this without the credit bureaus not knowing and allowing this illegal practice of reinsertion and re-aging to continue.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint because Experian has ignored my request to verify the account I disputed. Being that they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-04-17
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. (SC)

I HAVE CONTACTED EXPERIAN, XXXX AND XXXX SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these accounts.1. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
* The inquiry was not authorized * XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX *. Unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
* The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX SC XXXX *Unauthorized inquiry. XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 
* The following personal information is incorrect Former : XXXX, XXXX, XXXX Former : XXXX, XXXX, XXXX Former : XXXX XXXX * Account XXXX XXXX XXXX  # Account Number XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our persistent attempts, I regret to inform you that these fraudulent items still persist on my record. 

The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The following items should be removed as soon as possible : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I am writing to file a complaint against Experian Information Solutions Inc. and to seek your assistance in addressing while when I paid off my personal installment loan on XX/XX/2024 I lost XXXX points. My credit score went from XXXX to XXXX after I paid my installment loan off? I am in good standing with all my creditors!!! I have never missed a payment and always pay my bills on time. I lost XXXX points just for paying off a personal loan on time and never missed a payment!!! When I paid off my car I lost XXXX points!!!! My debit to ratio is low ( 10 % ) and I have exceptional on payment history, amount of new credit and credit mix. Good in the length of credit history. So can someone give me an answer because Experian could not provide an answer??? Can someone provide the factors that went into this scoring please? 
I have worked hard on my credit just because I lack of recent activity from a non-mortgage installment loan in my credit profile. I lost XXXX point. It is a horrifying clarity to systemic racism. 

I contacted Experian by email on XX/XX/2024 and they share that this is what the impactful factors affecting my FICO Score. 
Lack of recent non-mortgage loan information HURTING You have a lack of recent activity from a non-mortgage installment loan. 
Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. 

Credit reports and scores reflect stunning XXXX disparities. Study after study has found that XXXX and XXXX communities have lower credit scores as a group than XXXX and Asians. The XXXX disparities in credit scores are due to deep structural factors, created by centuries of intentional and legalized discrimination as well as present-day biases. According to XXXX XXXX XXXX XXXX XXXX This XXXX wealth gap didnt happen by accident. It was caused by centuries of discrimination, redlining, and ongoing systemic racism. As long as they keep your credit score low the higher the interest you pay!!!
Consumer complaint received 2024-05-07
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. (LA)

To Whom It XXXX Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX and Final NOTICE REGARDING THESE FRAUDULENT ACCOUNTS LITIGATION TO FOLLOW I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

According to 15 U.S. code 1666b 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 XXXX ( b ) of this title is mailed or delivered to So please update the following account XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX
Consumer complaint received 2023-01-04
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2024-04-16
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. (GA)

I looked on my credit report and I seen that XXXX XXXX XXXX ( code : XXXX ) credit my account in the amount of {$8400.00}, but that account shouldnt be on there! 



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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.