davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Contacted Experian because the addresses listed on my account are incorrect, and I don't live in the state listed. The representative informed me that there are active accounts under these fraudulent accounts and directed me to make a claim through this website. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. XXXX XXXX XXXX XXXX XXXX, AZ XXXX Accounts that are fraud : XXXX XXXX amount XXXX {$190.00}, paid/closed XXXX XXXX amount : {$370.00} written off , {$75.00} past due XXXX/XXXX  amount : {$340.00} written off.
Consumer complaint received 2024-05-10
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I called and sent letters to EXPERIAN about the generic letter that I received about my disputes. There are two bankruptcies that are reporting on my credit report that are fraud and not mine along with an account from XXXX XXXX XXXX  texas, and 5 inquiries. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P. 

EXPERIAN has displayed no proof of validation and only send me something generic saying its validated. 

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested the following : According to FRCA Section 605B it is illegal to report information on my credit report without my permission, thank you please remove this from my credit report. 

For the following accounts : Report Number XXXX Date Generated XXXX XXXX, XXXX PORTFOLIO RECOV ASSOC Account XXXX  Report Number XXXX Date Generated XXXX XXXX, XXXX PORTFOLIO RECOV ASSOC Account XXXX  Report Number XXXX Date Generated XX/XX/XXXX PORTFOLIO RECOV ASSOC Account XXXX  No investigation as they returned decision promptly within 12 hours from initial dispute.
Consumer complaint received 2024-01-09
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 received a letter from my student loan servicer on XX/XX/2023 stating that my student loan had been forgiven by the Department of Education. I was told that this change would be reported to all 3 credit agencies and that I should see the change on my credit reports in a month. After XXXX weeks, only XXXX reflected the change, so I filed a dispute requests with both Experian and XXXX in XXXX, providing the letter which very clearly states that my loan has been forgiven. Both companies responded in only a few days, each with dense, impenetrable multipage reports that essentially told me I was wrong!
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-01-29
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)

Below are the inaccurate accounts I found listed on my credit 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I've been a resident of XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. I vacated my apartment in the end of XX/XX/XXXX and paid all my dues. During vacating, I ensured proper cleaning is done and all damage/cleaning charges are paid for. I did gave my email address and postal address to ensure to take care of any pending water bills as well. 

I haven't received any communication on mail or email, but suddenly I see some pending water bill due for my last month being directly reported to credit collection, without a single intimation to me. This caused my score to come down by XXXX points. This is unwarranted and I would have immediately paid, of If I had got a small intimation about this. Please take a look at my rental history with you, I always had paid my rent one month in advance and no single instance of late payment or due. But in this case, I've received no communication on pending payments, but yet directly got reported to collection. 

I'm still ready to pay the pending water bill of {$120.00}, but please ensure that this charge falls off my credit report. Ive spoken to both XXXX and XXXX over the past few days, but they say they can't help on this regard. Please take a look at my rental history and understand that this is a lack of communication from your team and I should not be paying a price for this. The credit agency is infact asking for {$320.00} ( a {$200.00} extra penalty ) which is completely unfair given the fact I'm not notified on the pending charge. 

Please look into this matter and help me out. I can make the pending payment without penalty and please ensure the debt collection comes off my report
Consumer complaint received 2023-10-19
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. (PA)

I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a {$130000.00} wire transfer to my Bank of America account from XXXX XXXXk, XXXX bank is claiming that their client did not send the funds. Now theyve put my entire business on hold for ( 90 days ) I had to pay my supplier with other funds as well as my employees.
Consumer complaint received 2024-05-10
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I understand the customer service rep that answers the phone at the 3 credit bureaus is not the owner nor the ones thats running these credit bureaus. It took me between 8 to 10 years to get my credit together, Im still not done but its in good standards. XXXX XXXX XXXX  and going back and forth with Experian for the last 6 days about reporting wrong information from these creditors without know evidence. The more I fight about the hard inquiry and the hard delinquent on my credit report Experian come back with more discrepancies and lies and know proof. I havent any hard inquiries know delinquents in 9 years, only thing should be on all 3 of my credit report is my student loan I have to pay off which is not going to take to long. I had a rough times over the years with beating XXXX going through a XXXX XXXX, still dealing with XXXX XXXX  but still willing to fight until I get it right. I dont approve of a companies reporting lies, because Im filing a complaint, if I need to contact my family attorney I can do that as well, I dont respect XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. 
Thank you for your attention to detail in this matter.
Consumer complaint received 2024-01-09
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. (SC)

I let the company know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. My information was used without my permission to open XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4000.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX {$8000.00} open date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7400.00} open date XX/XX/XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX I have contacted the XXXXXXXX XXXX XXXX XXXX filed a official police report for this fraud. I have also contacted the XXXX XXXX XXXX and filed a affidavit. I sent all information pertaining to XXXX, XXXX and Equifax yet the fraudulent Accounts have not been deleted. Please help me with this situation
Consumer complaint received 2024-05-10
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)

I, XXXX XXXX, hereby authorize Trans Union reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Trans Union Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : 1. Collections- XXXX XXXX ( originally XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( auto loan opened fraudulently ) 3. XXXX XXXX XXXX {$6100.00} ( identity theft ) 4. XXXX Account XXXX XXXXXXXX ( fraudulently opened ) Inquiries for removal : XXXX. XX/XX/XXXX Company : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX  Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
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. (MN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-10
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. (CT)

I recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, XXXX XXXX XXXX, and Experian. 

I am writing to file a complaint regarding inaccurate information on my consumer credit report, specifically related to the XXXX XXXXXXXX XXXX XXXX account number XXXX. I am deeply concerned about the inclusion of unauthorized and inaccurate data, which I believe violates both state and federal laws governing the protection of non-public personal information. 

Under Georgia law and the Fair Credit Reporting Act ( FCRA ), I assert my right to privacy and the accuracy of information within my consumer profile. I did not provide written consent for the reported late payment remarks in XXXX, XXXX, XXXX, XXXX, and XXXX of 2023. I insist on the correction of this information and the removal of derogatory remarks, updating the account status to " paid as agreed '' with no record of late payments. 

I want to emphasize that all information within my consumer profile requires explicit authorization, and I do not recall granting such consent to XXXX XXXXXXXX XXXX XXXXXXXX. I believe this unauthorized access to my non-public personal information is a violation of my privacy rights. 

In accordance with federal law, particularly the Fair Credit Reporting Act, I request that XXXX XXXXXXXX XXXX XXXX ceases furnishing my non-public personal information to third parties, including but not limited to Experian, XXXX, and XXXX. Please refer to the specific codes outlined in the Fair Credit Reporting Act to support this request. 

I appreciate your prompt attention to this matter and request a thorough investigation into the inaccuracies reported. I trust that your intervention will ensure the correction of my consumer profile and uphold the principles of privacy and accuracy as mandated by applicable laws. 

Once the investigation is complete, I would like a comprehensive breakdown of the information shared between Experian and XXXX XXXX Bank regarding my consumer information.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

On XX/XX/XXXX I submitted a PSLF application to Mohela. I noticed a couple months later that the PSLF application had been processed however my account says employment was not certified from XX/XX/XXXX to XX/XX/XXXX. I called in XX/XX/XXXX and was told by a Mohela representative that this would be a " fast fix of 3-5 business days '' after the reviewed my PSLF application which shows my employment with the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I called again on XX/XX/XXXX and explained the situation to a Mohela representative. The representative said that my signature was the issue, so I resubmitted the application with a wet signature on XX/XX/XXXX. On XX/XX/XXXX I noticed that my account shows my PSLF application submitted on XX/XX/XXXX as a duplicate. I called again on XX/XX/XXXX and was told again that it would be a " fast fix of 3-5 business days ''. This has clearly not been the case. I am working to keep up my employment verification on a regular basis and Mohela is failing the consumer and their Federal contract by not processing PSLF application correctly. 

In addition, I wrote to Mohela on XX/XX/XXXX and stated : Two of my loans ( DL Consolidation Subsidized & DL Consolidation Unsubsidized ) show that I have an additional qualified payment from XX/XX/XXXX while my other loans do not reflect XX/XX/XXXX. I believe this is an error as I was in repayment at that time and qualified for PSLF ( as my most recent PSLF form will show ). Could someone look into this issue and reflect XX/XX/XXXX as a qualifying payment for all my loans? 

I received a response that since I called into Mohela that they " assume the issue has been taken care of ''. When I responded back via the messaging application that this was a separate issue I called about and that I still need an answer about the XX/XX/XXXX qualifying payment, I received no response.
Consumer complaint received 2023-04-19
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. (CA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX 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 2024-05-10
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. (CA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.