davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My rights enacted by the FRCA, FBCA and Privacy 
Act are in violation by the unaffiliated 3rd party(s) this complaint is going to. For 
items that have been placed on my credit report. I have included attached 
documents of these items. As per 15 USC 6802 (b) and (c). I was never provided 
the knowledge of the opportunity to opt-out of my personal information being 
reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments 
that are being listed that were never verified and violated my rights per 15 USC 
1666b. Both the credit furnisher and reporting agencies are in violation of these 
acts. They are unable to provide adequate verifiable proof. Which has also been 
attached in the documents uploaded, providing exact types of acceptable proof to 
have it considered verified. Lack of this acceptable proof based on the claim is 
lack of Corporate Compliance and a crime. If the proper recordings matching the 
letters are not rectified within 30 days and updated immediately with proof of the 
update. I will next exercise my rights to take legal actions. Since both parties are 
currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve 
Act Section 29.
Consumer complaint received 2023-11-04
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: Exeter Finance, LLC. (CO)

I had previously filed a complaint with CFPB in regards to Exeter finance. Exeter. Responded to CFPB that they would remove a late payment reported to the credit bureaus.. I have had to file another dispute because my credit report was updated, however, Exeter responded to the dispute again on XX/XX/XXXX XXXX while they did report the account as being paid off, they did not remove the XXXX late payment as agreed and in writing.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

I believe Mohela has mishandled my student loans and my eligibility for the SAVE PLAN. They have erroneously denied and/or processed my PSLF application incorrectly. I selected SAVE when I submitted my consolidation request on XX/XX/XXXX. It is showing on your site as cancelled, so I resubmitted another IDR request in XXXX, which was closed out as a duplicate. Please process my request for SAVE.
Consumer complaint received 2023-10-12
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)

I have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute
Consumer complaint received 2023-02-26
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: Bread Financial Holdings, Inc. (NY)

On XX/XX/2023 I received an alert of a hard inquiry from COMENITYCAPITALXXXX. I do not recognize this company. I did not apply for any products. I did not give anyone permission to use my personal information to apply for any products. I tried to dispute this hard inquiry through XXXX and they have not resolved my issue and it is still on my credit report.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TN)

The company is reporting incorrect information regarding my file. I have attempted numerous times to get the information corrected, and I am unable to reach anyone in the XXXX XXXX 
The representatives have stated that they would have a supervisor or XXXX call me back within XXXX hours and I have put XXXX different request in and no one has contacted me back. 

I have an escalated issue and I want someone within a leadership team and someone in the United States to return my phone call to get this issue resolved because it is having a negative impact regarding negative information contained in this report. 

I have been a victim of identity theft in the past, and this issue is still not corrected within the database of XXXX XXXX, as well as SageStream.. 
I have an alert on my credit file which is doing no good. 

I am also following this complaint with the consumer financial protection bureau, as well as the Better Business Bureau. 

The issue of this not getting resolved, has had a negative impact on my credit rating as well as caused me financial hardship with terms that are not favorable to my correct credit rating. 

My insurance rates have went up on my vehicle due to incorrect information being reported inside these reports. 

I can be reached at area code XXXX. I want a correction to my credit report. I want a correction to my Lexis Nexis report and I want a permanent fix to the situation..
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-12
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. (TX)

I've seen some hard inquiries that I did not authorized. Sent letters to credit bureaus, called some of the companies and I did not see the information falling off. I want these unauthorized inquiries removed
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX  XXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report XXXX inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I XXXX XXXX the consumer sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days I still have received anything back. 

According to 15 USC 1681i ( a ) X1XA ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation or mv rights
Consumer complaint received 2023-06-27
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-12
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)

XXXX  XXXX XXXX TransUnion is violating my federally protected consumer rightsXXXX XXXXXXXX & TransUnion is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX XXXX XXXX XXXX TransUnion never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d )
( 2 ) ( A ) ( i ) .-XXXX, XXXX & TransUnion is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a
) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, XXXX & TransUnion has violated many of my federally protected rights by furnishing this information on my consumer report.

-According to 15 U.S.C 1681n ( a ) ( 1 XXXX XXXX XXXX XXXX & TransUnion is liable to compensate me {$1000.00} per violation, totaling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, XXXX XXXX TRANSUNION MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within XXXX  days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title XXXX PA.C.S XXXX. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX year limitation. 

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within XXXX years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 




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Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (NY)

1. Bread Loan denied my {$5000.00} Credit line without a proper reason, 2. also in this email they say in one paragraph, that i was and i was not approve which is very confusing, so when i called they confirmed i have not been approved and they made up an excuse that they were unable to verify my identity, although i offered to upload my ID and other proof of identity so they can verify me.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate. 
these items to ensure accuracy. 
Here is the Item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IL)

On XX/XX/2019, my purse and all of its contents were stolen from my shopping cart. Although I reported the incident to all of my credit cards, Discover conducted an investigation and concluded that no fraud was committed. I submitted all necessary documents including a police report. Despite the fact that we called Discover that same day and several days later to report the incident ( we have a XXXX Call logs support this ), Discover claims that no such report was made and that I am responsible for the {$900.00} charge plus interest. Numerous calls have had no result. Please refer to the attached documents for details.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (OH)

XX/XX/XXXX contacted company for validation of debt XXXX states that I should receive it in 10 days. On XX/XX/XXXX @ XXXX XXXX eastern time zone I contacted the company and asked was the validation sent I had not received it. The agent named XXXX stated that the debt letter is a confirmation letter and on the letter states that asking for validation is proof that this is a valid debt. The agent XXXX sts look you gon na pay it or not in angry voice and also states I aint got time for this now I was never volatile with this guy. I stated to the agent under the credit debt collection act that I need validation cause Im not for sure if this is or their a legit company. The agent states again that this debt letter serves as validation. I asked the agent whats his name again and this line is recorded? He stated his name XXXX and that this line I recorded I stated on the recorded the time is XX/XX/XXXX XXXX and asked for a supervisor. A sup was put on I advised the supervisor of what happened and he sts yeah they never sent a validation letter and one would be in the mail sent out soon. I asked the supervisior was indeed that line recorded hes sts that it may be recorded and 9 times outta 10 it would be XXXX never stated who they are collecting for either.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Equifax XXXX and XXXX are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over XXXX years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules
Consumer complaint received 2023-06-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

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. 

XXXX XXXX XXXX : account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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.