davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the student loan balance of {$8700.00}, which was disbursed on XX/XX/year> ( {$6400.00} ). I withdrew from the course and never accepted the loan. The loan was sent directly to the school, and I did not receive any amount or benefit from it. 

Furthermore, I believe this loan should have been forgiven under the COVID-19 Act. I respectfully request that you take immediate action to correct this error and forgive the loan in its entirety.

I would like to bring to your attention that this account has a negative remark on my credit report, which is affecting my credit score. I respectfully request that you close this account on my three credit reports ( XXXX, Experian, and XXXX ) and remove any negative information related to this loan. 

Please investigate this matter and take the necessary steps to resolve this dispute. I would appreciate a written response within 30 days, confirming the actions taken to correct this error. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed on my credit report there are unauthorized inquiries XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX Transunion : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX I just received my credit report I noticed that you guys are reporting this account incorrectly this we'll figure it out but shows a past due balance of XXXX according to the FCRA XXXX I have the right to an accurate credit report please remove this account from my credit report please provide me a copy of my new credit report reflecting this account upon the completion
Consumer complaint received 2023-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Contacted company and told Ive never resided at address that bill was sent too being that this is a medical bill and they shouldnt have my information, bill collectors was very rude hanging up in my face, I called XXXX and had the address removed
Consumer complaint received 2017-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY (GU)

I tried this already and never solved. American Express discriminated me when I tried to apply again my score was XXXX based on the letter American Express sent me Dated XXXX XXXX, 2017. I 'm asking the CFPB for urgent legal assistant because I just received today the new credit score on my  file from XXXX as of today XXXX XXXX, 2017is XXXX fair. from XXXX XXXX is Good, from XXXX XXXX very good. this is the latest Score. Please help. I have proven score that, American Express should issue my credit card now as soon as possible.
Consumer complaint received 2024-06-22
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. (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 U.S.C 1681. XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.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 1681. ( 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 2024-06-26
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. (CA)

The following is a fraudulent account on my credit report that is not mine : XXXX XXXX XXXX XXXX account # XXXX. 
The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I been a victim of identity theft and a few credit accounts were open that I did not authorized. I was able to get the other accounts deleted by working with the credit bureaus and the company who were reporting the fraudulent items. But for the past 2 years and have not gotten any resolution with the above mention item. Today I spoke with a representative named XXXX at XXXX XXXX XXXXXXXX XXXX who said all she can do is mail me a document on how to get this matter resolved, which they supposedly sent it to me every time I contacted them but I never receive them because they're sending it to the address registered to the fraudulent account. This is extremely frustrating, please help.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The creditor has this account listed as a write off on my credit file and they failed to send me a 1099-C for at the time of charge off, and is still reporting this item to my credit file. According to 60415 USC-1681b Income can not be reported to a consumers credit file
Consumer complaint received 2023-07-12
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that this complaint is not sent in error nor a mistake. Upon thoroughly checking my credit report, I found out that it is full of inaccurate information and not guaranteed to be the maximum possible accuracy. My rights as a consumer is being violated and it is affecting me negatively in ways you can not imagine, hard times are upon me and it would be a big help if these wrong information are corrected or removed.
Consumer complaint received 2024-05-26
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. (SC)

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

On XX/XX/2023, I notified LexisNexis that I am a victim of identity theft. I included the required supporting documentation with my notice. In a letter dated XX/XX/2023, LexisNexis advised me of my rights as a victim of identity theft. LexisNexis letter states : you have the right to opt-out of our XXXX XXXX XXXX databases, Prescreened Offers of Credit and Insurance , as well as have your information suppressed from our XXXX, XXXX, and XXXX XXXX Additionally, LexisNexis Consumer and Data Access Policy, found at https : //risk.lexisnexis.com/consumer-and-data-access-policies regarding U.S. Consumer Opt-Out states : private individuals who are victims of identity theft may request to have personal information about themselves suppressed from LexisNexis products and services available to subscribers of our restricted public records products. On XX/XX/2023, I notified LexisNexis that I was exercising my right to remove/suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports. As of the date of this complaint, LexisNexis is violating my right to remove/suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports  by continuing to report information ( including incorrect, incomplete, and inaccurate information ) related to me and/or my identifiers in LexisNexis products. LexisNexis is violating their own policy by refusing to remove and/or suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products. This shall serve as an additional formal written notice to LexisNexis that, effective immediately, I am exercising my rights as a victim of identity theft to remove and/or suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports.
Consumer complaint received 2024-06-22
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. (FL)

On XX/XX/year> XXXX XXXX XXXX XXXX added a derogatory mark to my credit report per Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX  violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I looked at my credit report on XX/XX/year> and noticed some hard inquiries that did not have permissible purpose.I also attached evidence due to the misleading and misinformation of the bank employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to the violation of 15 USC 1681b.
Consumer complaint received 2024-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

I

nquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ND)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXXXXXX : # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Consumer complaint received 2024-05-26
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)

XXXX XXXX Account Number- XXXX. I just received my credit report. I noticed you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a pas due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I LOOKED AT MY CREDIT REPORT BACK ON XX/XX/year>, AND NOTICED SOME THINGS ARE INCOMPLETEAND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTIG AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. THESE ACCOUNTS, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ARE NOT COMPLETE AND ACCURATE. AND ONE MORE THING ACCORDING TO 15 U.S.C. 1681S-2. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PEROSN KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONS INACCURATE
Consumer complaint received 2024-06-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have attempted to get late payment history that is incorrect removed from credit report. The late payments reported was during covid on student loans during time when loans were in deferment. Most recent late payment with XXXX was placed in forbearance then IDR and has not been reflected on credit report as such. XXXX has reported late payments but unable to furnish when I was late as these are in IDR plan as well. These have been damaging to my credit and made it hard for me to obtain new lines of credit.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

US DEPT OF EDXXXX Account Number - XXXX I just took a look at my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon complection
Consumer complaint received 2024-05-26
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)

XXXX XXXX XXXX XXXXXXXX Account XXXX - XXXX I just took a look at my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon complection
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Equifax Credit Reporting Re : Hard Inquiry. 

Dear Sir / Madam, During the review of my consumer credit report recently, I noticed 2 hard inquiries placed in my consumer report by XXXX XXXX XXXX on XX/XX/XXXX, and anther by XXXX XXXX on XXXX which is ( 31 DAYS ) which is a violation according to CFPB. 

According to CFPB publication of XX/XX/XXXX, title WHAT HAPPENS WHEN A MORTGAGE LENDER CHECKS MY CREDIT, the agency stated that WITHIN 45 DAYS WINDOW, MULTIPLE CREDIT CHECKS FROM MORTAGE LENDERS ARE RECORDED ON YOUR CREDIT REPORT AS A SINGLE INQUIRY. PLEASE SEE CFPB PUBLICATION ATTACHED TO THIS COMPLAINT. 

Please, kindly remove the above-mentioned hard inquiries from my consumer report because you are in violation of CPFB rule.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Alorica Inc. (TX)

I first noticed a strange company taking withdrawls from my bank account, a company I had never heard of before. I immediately contacted my bank and stopped all payments to this company. I have written letters to this company, Servicing Systems Technologies INC, and asked for validation of this debt and a contract and they have not provided me with this information. I have never signed any sort of contract with this company nor have I ever done business with them. They continue to send me letters in the mail to pay this debt and send emails to me with very little information, only stating I need to make a payment. The link to view 'my account ' isn't even to this companies website and requires I use my social security number to log in. Everything about this company seems fraudulent. There are now 4 items on my credit report from this company. My credit report says I have 2 closed accounts with them and 2 opened accounts. One of the accounts reflects late payment and the other does not.

My desire is for this company to immediately delete these allegations from my credit report and cease all communication with me.