davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO (PR)

The bank dont want to close my account. I visit 5 times the branch to close the account. The bank dont want to close my account. I ordered them to close my account giving a letter to the advisor of the branch and dont make any action. I email close order and they dont take any action. The ignorance of the bank has caused charges on my accout due to the bank irresponsability. I have transactions on my account undefined. I want every transaction defined with a name of the merchant amount and check number as required by law.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I applied for SAVE in XXXX. I was told by Nelnet it would be processed accordingly. 

I reach out in XX/XX/XXXX whats taking so long. They said it will processed shortly. After calling a second time on the XXXX, they said they would finally switch me over after paying a {$5.00} transfer fee. 

I paid the fee and they had put me on a standard income driven plan instead of SAVE. Now they are asking me to pay a monthly payment of XXXX when my application stated my monthly plan would be {$0.00}. 

When I asked for information, they stated they are working on it but I would still need to make the payment. Why? As to not delay my change of plans. They made the mistake!
Consumer complaint received 2023-04-28
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. (PA)

These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-04-28
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the lack of response to the disputes I submitted to your agency regarding inaccuracies in my credit report. On XX/XX/year>, I sent formal disputes to TransUnion, XXXX, and XXXX outlining specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. 

Despite the statutory requirement for a response within 30 days, I have not received any acknowledgment or resolution from your agency. Attached are copies of the letters sent for your reference. 

I urge you to promptly investigate these disputes and provide a comprehensive response in accordance with the FCRA. Failure to do so may necessitate further action to ensure compliance with regulatory standards.
Consumer complaint received 2023-03-22
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. (MI)

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation Delete these account per my written instructions.
Consumer complaint received 2023-04-28
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately 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
Consumer complaint received 2024-05-30
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. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
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. (GA)

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 2024-08-06
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 am formally reiterating my request to block and remove accounts from my consumer report that are linked to identity theft. I never authorized these accounts with a written signature. This issue, which I've previously communicated to you about, has caused me significant distress and hindered my financial goals, including home ownership. 

I insist that you take immediate action to block and delete these fraudulent items from my report within four days of receiving this notice. For identity verification, I've included copies of my social security card and driver 's license.
Consumer complaint received 2024-05-30
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)

On XX/XX/XXXX, I requested proof of the previous investigation of a XXXX day late reported on XX/XX/XXXX on account # XXXX XXXX. I requested that the method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. investigations were completed and none of this was provided. I demand that the XXXX days late for the month of XX/XX/XXXX be removed and updated to XXXX. The account is # XXXX XXXX. The dispute was made, and the data furnisher failed to comply with the request. It is the data suppliers ' job to report accurately
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am contacting you regarding a concerning issue with my credit file. I've noticed a collection entry from your agency that I was not previously aware of, and I have serious questions about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. 

I formally request that you provide the necessary validation and take appropriate steps to address this matter. Please note that a comprehensive response, including all requested items, must be furnished within 15 days of this letter 's date.
Consumer complaint received 2024-05-30
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-12-23
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. (TX)

The accounts below are not mines. i have disputed for more than 7 years and nothing has been done. These accounts were removed from my other reports but remain on this one. 

1. XXXX XXXX XXXX  {$0.00} Paid, closed 16 charge-offs 2. XXXX XXXX XXXX XXXX XXXX {$1000.00} Paid, closed 63 charge-offs 3. XXXX XXXX XXXX   {$7600.00} Paid, closed 72 charge-offs 4. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$31000.00} 0 % paid off
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO (PR)

In XX/XX/2019, FirstBank PR blocked access to my accounts, which it marked as overdrawn due to a disputed transaction. In doing so, they would not allow me to view my online statements. 

FirstBank PR did not mail physical statements for the account. 

In violation of the Truth in Savings Act, FirstBankPR will not provide access to the last 18 months of statements. 

In addition, I made a deposit by mail of {$20.00}, but FirstBank PR failed to credit the account. 

Finally, because FirstBankPR failed to provide access to the statement, I could not dispute transactions in a timely manner which would have cured the alleged overdraft and would have entitled me to a reimbursement of the erroneous overdraft fees. 

FirstBankPR owes me in excess of {$60.00}.
Consumer complaint received 2024-06-27
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. (IL)

I pulled a copy of my credit report from Experian, XXXX and XXXX and noticed some fraudulent inquiries that I DID NOT originate and have no idea where they came from. Pursuant to 15 USC 1681c-2 please DELETE these fraudulent inquiries within four business days of your receipt of this identity theft report on grounds of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please see other page for other ( 3 ) inquiries. SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-04-28
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there are still an account that needs to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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: JPMORGAN CHASE & CO. (TX)

Without my permission, or without a permissible purpose by law, the companies listed in the attachment are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed in the attached document for review or collection.

Im requesting that all inquiries be deleted.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-04-28
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. (MD)

I am writing to bring to your attention the fact that Experian, one of the three major credit reporting agencies, has posted inaccurate data on my credit report. This misinformation in relation to the 7 Dept of EdXXXX accounts on my report is in violation of my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies must ensure that the information they report about consumers is accurate, complete, and up-to-date. However, in my case, Experian has failed to fulfill this obligation by posting inaccurate data on my credit report. 

I have attempted to dispute the inaccuracies with Experian, but their response has been unsatisfactory. I believe that Experian is knowingly and intentionally reporting inaccurate information, which is negatively affecting my creditworthiness and financial standing. 

I am requesting that the CFPB take action against Experian for violating my rights under the FCRA and for the harm that they have caused me. I would also like to request that Experian be required to remove the inaccurate information from my credit report and provide me with a corrected report as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You advised me to contact the creditors, which I have done. According to FDCPA 809b, you are required to update these accounts until they are validated. I have requested validation, but it has not been provided. Please update the accounts now : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} DEPTEDXXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.