davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

lam writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reporter the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Record type : Public Record : XXXX XXXX bankruptcy dismissed ; Reference number : 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 an account without my written instructions.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN AND XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX : {$370000.00}
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have asked over and over again for the bureau to provide validation. They have failed to do so when i have disputed this matter. According to FCRA section XXXX it is illegal to report information on my credit profile without my permission. I ask that you please remove the XXXX XXXX from my credit profile. 

Thank you please remove this once and for all. This has been a nightmare and the bureau is in violation under FCRA Section XXXX Thank you.
Consumer complaint received 2023-05-22
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: National Credit Adjusters, LLC (TX)

I sent my first dispute letter dated XXXX XXXX XXXX XXXX, XXXX and XXXX stating that I never had a contract with this debt collector for any debt pertaining to National Credit Adjusters. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. 
I received a letter from National Credit Adjusters dated XXXX XXXX stating that they received my written dispute. They also stated that the investigation may take more than 30 days. Also, they will cease all collection efforts. I also received an email from XXXX pertaining to the dispute pertaining to National Credit Adjusters. I logged into my XXXX account and read that National Credit Adjusters has certified to XXXX that the information is accurate. This item was not changed. My question is who is telling the truth. XXXX respond very quick stating that this item was not changed. But National Credit Adjusters needs more time to investigate. To sum it all up National Credit Adjusters fail to provide to provide proof from the original creditor that they have legal authority to collect this alleged debt and to continue to report to the CRA 'S. From the time National Credit Adjusters sent me their response letter dated XX/XX/2022, it's been over 7 months. Enough time to provide the information that I'm requesting. XXXX XXXX, XXXX and XXXX failure to properly investigate my request instead, verified my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things. Please refer to the attachments to read the entire complaint. I am requesting that this account be removed from my credit report, and I am seeking monetary damages in the amount of {$1000.00} per violation from National Credit Adjusters in failing to produce information per consumer request in a reasonable time by law. And all 3 three credit bureaus : XXXX XXXX, XXXX and XXXX failure to properly investigate my request instead, verifying my dispute as accurate.
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: EQUIFAX, 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 : : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of
crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to b
elieve that the information is inaccurate.
Consumer complaint received 2023-09-20
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. (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 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 2023-09-20
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. (MI)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AR)

this company is reporting fraudulent inaccurate Information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WY)

I have been on an Income Driven Repayment plan, specifically REPAYE, since 2021. I was automatically moved to the SAVE program this summer, but my original REPAYE  payment amount of {$82.00} did not update to the lower SAVE payment. 

On XX/XX/XXXX, I called and spoke with an agent about this. The agent agreed that his payment should be about {$41.00} on SAVE and said he would submit a request to fix it. It turns out that he submitted an entirely new application, despite me already being in the program. I decided to wait and see what would happen - but then I saw that in my MOHELA portal the payment amount went up even more to {$210.00}, which is almost five times what he should be paying. I called and spoke with an agent who again calculated the SAVE  payment amount, said it should be {$41.00}. I was told to wait for the application to be processed and that it would be fixed. 

The application was again approved, but the payment is again incorrect - {$130.00}. I called today, and was told that the calculation missed my wifes student loan debt even though this number was provided both in my initial application for REPAYE and in the second application for recalculation. They are now doing a third recalculation to lower this payment. I asked her about the interest that is growing and my PSLF payment count due to the forbearance they put me on while I wait. There is no resolution to this despite it being their error. I was encouraged to follow up at the end of XXXX, since this has been ongoing. 

I am extremely frustrated since this is obviously their error. I was on REPAYE with the correct information, but somehow my information was screwed up while transferring to SAVE. There is no ownership, nor is there any timely resolution being made. I can not afford what they are asking me to pay.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-09-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (KY)

XX/XX/23 : I received an email from Resident Advocate claiming I owed them {$1300.00} with an incorrect address listed and said that I had to dispute the claim by XX/XX/23. I sent an email back to them on XX/XX/23 and disputed it due to an ongoing open case on the apartment. 

XX/XX/23 : I received a voicemail from Resident Advocate to call them. I then proceeded to send them a letter in the mail asking them to validate themselves by sending the original contract with my signature, the creditor 's information ; ( name, address, phone number ), the payment history with an itemized billing list associated with the account number and proof of ownership and that they are authorized to collect payment. And stated, " As per Section 609, I am entitled to see this information and you must provide it to me within 30 days. '' Then I put my legal representation with their phone number and signed the letter with my wet signature while letting them know they had the wrong address listed. 

XX/XX/23 : I received another voicemail from Hunter Warfield to call them. 

XX/XX/23 : I received another email with the same information I had previously saying I owed {$1300.00} and that I had until XX/XX/23 to dispute the claim again. 

XX/XX/23 : I received another email with a resolution offer for {$1100.00} saying I was allotted 30 days to make a payment to receive the 20 % savings. 

XX/XX/23 : I received another voicemail telling me to call them back.
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (DE)

I filed a dispute in 2020 because this account did not belong to me so this account was brought by an collection company brought an account and trying to come after me for something that dont belong to me I asked for Verification and validation of this account that I own this account that was brought I asked for proof that yall was the original Owner of this account and that yall have a clear title of this account and something that shows I made payments to this account please provide this information if not please remove from all XXXX Credit Bureaus.What process did yall use to verify this account
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX To whom it may concern, I was informed by your company ( XXXX ) that account number ( XXXX ) with XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA SECTION611 ( 15 U.S.C 1681I ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertionor, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-15
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Account # XXXX This account is paid in full. I have attached a receipt XXXX XXXX XXXX emailed to me after receiving payment in full. 
Please remove this account my credit report immediately thank you.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX A XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-20
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. (FL)

This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to XXXX XXXX totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MN)

US Bank advertisement opening an account and making direct deposits would qualify for a {$300.00} dollar bonus. 

I opened the account in XX/XX/1923. I made the required deposits. I contacted the bank two times about the credit. Both times they told me they would look into it and get back to me. I still havent received a reply.

That is the reason for my complaint. False advertising scam.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I notified Experian on XX/XX/XXXX there are errors on my credit report. the erroors have not been corrected. Based on 15 USC 1681 EB, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report highest balance is {$4900.00}, XXXX is {$0.00}, XXXX {$4900.00}. Status updated on Experian is XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Date Opened for XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-15
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)

Previously, there was a collection reported on my credit report from Experian and they did not correct the information. I filed a complaint with your offices and the debt could not be validated and was proven to not be mine. Now the debt has reappeared under another business called XXXX XXXX XXXX. It is the same debt that was previously disproved from XXXX in the amount of {$820.00}. It was previously under XXXX XXXX. 

Experian continues to report adverse information without verifying anything. I continue to have to fight to have accurate information reported. I will file another complaint against the Debt Collector. 

This continues to have a negative affect on my financial well being and I was denied a loan today based on false information contained in their report. I am requesting that this inaccurate and unauthorized information be removed from my credit report. I have not had an account with XXXX in over 10 years. This debt is not mine. 

Thank you, XXXX
Consumer complaint received 2024-07-31
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. (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 2024-04-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Accscient, LLC (MD)

My name and credentials was used in some type of program that I was not aware of. The program was later found out to be fraudulent. The company was sued and some how or the other a default judgment was placed on my name. It was also registered on my property.