davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I received a credit alert on my Equifax credit report regarding an education loan that I took out in XXXX, not the US. 
I have attached the loan approval letter which I received on XX/XX/XXXX. I came to states in XX/XX/XXXX The loan co-signer is my father, and he is making the payments from XXXX. I am unsure why it has been reported on my US credit account. 
This entry has significantly lowered my credit rating. I request that this information be removed from my account.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XX/XX/23 XXXX my husband was driving for work as a delivery driver and he received a text stating from Huntington asking if he authorized a XXXX XXXX and he sent back..NO.. then he received a call and person on the phone starting asking questions to verify they were talking with the account holder ( how much in account/address/etc.. ) my husband got a little suspicious and told the person he thought this scam and ended the call. After that he had received other text messages and phone calls from different # 's and he did not answer anything not knowing if they are scams or not. At XXXX pm we went to a Huntington branch and reported the fraud since by that time there were XXXX separate charges on his debit card that he did not charge nor authorize totaling {$2000.00}. We immediately cancelled that debit card ( XXXX ) and issued a new one and starting the fraud/dispute process. The bank teller did look at my husbands phone and she changed some of the # 's to say scam so he did not answer if they kept calling. Huntington did give us a provisional credit for that amount. On XX/XX/23 we received a letter stating they deemed the charges " valid '' and would be reversing the credit on XX/XX/23. We immediately went back to the bank and re-opened the case. I filed a police report ( which during the conversion the sheriff stated they phone # with the original text message that started this fraud was known to them ), we wrote a summary of what happened-sent it to the dispute center email. Sent screen shots of text messages. I gave Huntington authorization to discuss this fraud with the XXXX XXXX sheriffs dept. I have spent hours and hours on the phone with was I thought was the dispute dept trying to get this resolved and asking what can I do, asking for help. I have talked to many people and I found out that some of the people I talked to were with the dispute dept but a majority was with customer service people ( I did not know that ). On XX/XX/23 we received another letter from Huntington stating these charges were " authorized ''. The information they " found '' was inconsistent with the information we provided. We have since been trying to work with the original teller that helped us on XX/XX/23.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OH)

I graduated XX/XX/2023, and I completed loan exit counseling that month. I chose the standard repayment plan. My school reported my graduation to the national student clearing house. 

Nelnet still thinks I am in school. I have received no communication from them this year. I should have received notice that I am in grace period so I can plan for entering repayment when that ends. 

In XXXX I emailed Nelnet alerting them when I graduated but got no response. I called in XXXX, and they said I am still listed as " In School ''. I told them when I graduated and they said they would update that. Now it is XXXX and nothing has updated yet. This month I should be entering repayment, and I don't know when my due date is or how much I owe.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-27
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. (NV)

I am submitting my 12th complaint to ensure that the following items have been taken off my credit report, in accordance with the FCRA section 605b. Credit Reporting Agencies are obligated to remove any items that have been listed on my identity theft report # XXXX. I plan to review my credit reports again within the next 15 days, and I am hopeful that these items will no longer be present : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXXXXXX  Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-03
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-06-26
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (MO)

Experian closed yet another complaint without addressing the issue again and state that the problem is not on my credit report well of course its not you have STOLEN NOW ALMOST 19 months of on time never late payments to XXXX and refuse to give them back but once again they will fix the problem for money
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have contacted Equifax numerous of times about my credit report not updating on their site. To see an accurate report I have to use a 3rd party website. I call equifax to report and file dispute and the issue never gets resolved. Due to the fact they dont see the accounts or inquiries. As well as my credit score. I dont know my actual credit score because it is different on equifax and 3rd party reporting agency. As well as when disputing anything it drastically drop the score. Then after the disputing the score come back up.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 2024-06-05
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. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-07-08
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. (PA)

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reported to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-08-28
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. (TX)

Hello I am reaching out due to an inaccuracy on my credit report for account XXXX. It is showing this account has been charged off as of XX/XX/2020. They received a tax write off and I should not have this debt reporting on my credit profile. According to the Internal Revenue Service ( IRS ) guidelines, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, reporting the cancelled amount as income.I have disputed this with the bureaus and they have not helped me remove this from my credit profile. I did ask for them to send me any forms or any documentation that they have the right to report this as a debt. None has been given.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NY)

I informed Apple Card by Goldman Sachs that I was encountering financial difficulties due to health issues faced by myself and a family member. I have had the account for a couple years and have established a track record of making full payments, each month, on time. 
I have diligently been making payments each month over the last 3 months, but have relentlessly been charged interest and have not been offered any help with the continual charges, notwithstanding my longtime account member status. 
In addition, the interest calculator tool has been incorrect, and the system increases the amount of interest in large excess than what it states it will be as the month goes along. 
I have been charged over {$250.00} in interest over the last 4 months despite proactively reaching out to ask for disaster relief ( stemming from XXXX damage to my family member 's home in FL ) and health crisis considerations. When I call, I receive discourteous, unhelpful service, along with false promises about what interest can be waived and what can be done for my account. 
Additionally, I was told that I couldn't receive any help since I had already made the minimum payment in a given month and to call back early the next month ( which means that I'm being penalized for making as many payments as possible! ). However, when I called back the next month before making any payments, I was told I STILL could not receive any assistance. 
Apple Card has been the worst experience, from a customer service standpoint, imaginable. As a comparison, when I called XXXX with a similar request, I was given a XXXX interest waiver and an offer to be put on a zero-interest plan for 12 months. I don't expect that every company will behave the same, but I certainly did not expect that XXXX and Goldman Sachs would leave me feeling so helpless and hopeless.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have recently obtained a copy of my credit report and noticed that XXXX has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.
Consumer complaint received 2024-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I originally had a $ XXXX loan for my XXXX program. This was back in XXXX, and entered repayment in XXXX. I have paid this loan XXXX over and the balance today is over $ XXXX. This is due to fees and a variable interest rate. When I called to try to pay off the balance but at a smaller amount, I was told that Id have to go in default and ruin my credit first. The maturity date of my loan is now in XXXX, which would mean id spend 40 years paying this loan XXXX times over. This is the definition of predatory lending. If this is not addressed, I will be taking this to court.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX  XXXX and XXXX  XXXX  XXXX
Consumer complaint received 2023-10-30
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX