davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-29
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've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
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)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (NC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-22
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX This Information is Incorrect. I never had late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TX)

An account was opened on XXXX for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through XXXX they still never sent me proof and XXXX, XXXX, Equifax still presents these negative items on my credit repo

rt. According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my credit score and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a XXXX cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT XXXX XXXX AND EQUIFAX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I hope this message finds you well. I am writing to address an issue regarding the recent flagging and termination of my PayPal account. I believe this action was taken due to the following three transactions : 1. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX **Gross amount : ** {$29.00} USD 2. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX 3. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX These transactions were payments from clients for services I provided to them. I assure you that all services were delivered satisfactorily, and I have not received any complaints from these clients or any other clients I have worked with. Since I began using PayPal, I have successfully completed transactions with over 200 clients without any issues. 

I am deeply concerned about the termination of my account, as it is essential for my business operations. I kindly request a review of my account and the transactions in question. I am more than willing to provide any additional information or documentation required to resolve this matter. 

Thank you for your understanding and prompt attention to this issue. I look forward to your response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (AL)

In XX/XX/XXXX, XXXX XXXX in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXXXXXX  and never repaid it. They also reported that I took out the loan in XX/XX/XXXXXXXX  and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but XXXX XXXX still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ; XXXX ; XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through XXXX they still never sent me proof and XXXX, Transunion, XXXX still presents these negative items on my credit report. 

According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my XXXX XXXX and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a XXXX cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT XXXX TRANSUNION AND XXXX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.
Consumer complaint received 2024-07-22
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: Self Financial Inc. (TX)

I'm greatly distressed by the negative rating on my account and its severe impact on my creditworthiness. This derogatory mark has already led to a loan denial and higher interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until this matter is resolved.
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I was approved by the Dept of Education for a federal loan discharge on XX/XX/year> due to the court case against the XXXX XXXX ruling there was misconduct, and I later read in a XXXX article that I should apply for the private loan forgiveness as well. My servicer Navient was trying to conceal this option ( they don't have this type of application on their website and the applicable check box isn't available when uploading the doc ). I found the application online through the article and applied with Navient and was denied. I called to ask about this, and they claimed I was denied because my loan was a consolodated loan ( with Navient ) and would never qualify for discharge. However, I confirmed that my loan was a Signature Student Loan ( with Navient ) before consolodating, and they said that type of loan would have qualified. Navient had pressured me to consolodate, claiming that I did not have another option, knowing that it would disqualify me for future forgiveness. They now will not give me further information, an appeal process, or anyone else to talk to. I think my loan should be eligible for discharge since it was determined by the courts and the Deptartment of Education as a case of misconduct, and because my loan was a qualifying Signature Student Loan with Navient until they pressured me to consolodate. It doesn't make sense and is not just.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

LEXISNEXIS continues to downplay the importance of credit reporting in reference to Consumer Number XXXX Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is my third time sending the same information. Please stop and remove bankruptcy.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Future Judgement Solutions (FL)

In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with FJS Global, Future Judgement Solutions, XXXX XXXX XXXX, and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied XXXX XXXX XXXX Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank XXXX XXXX credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?
Consumer complaint received 2023-12-21
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. (IL)

XXXX, Transunion, XXXX, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also XXXX, Transunion, XXXX is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to this matter.