davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (OH)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. They refuse to update the balance on my credit file. I have my receipts of all payments ; however, they refuse to update my balance on the receipt also. I am not going to continue paying until they update this balance on my credit. It is negatively affecting my credit very bad, and I am working on fixing my credit. If they don't update, I will stop paying it and we can go to court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Also, there are hard inquiries on my credit file that I did not authorize. I attempted to resolve them with the Credit Reporting Agency, ( Transunion ) to no avail. They have refused to remove these inquiries that I did not authorize and it is negatively affecting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

Hello- I believe I am missing months of repayment that should count towards forgiveness. Could you please review the following months? XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ; XX/XX/XXXX ). 

Also, I was placed in a school deferment when I was not in school and making payments. I graduated from XXXX school XX/XX/XXXX and returned to graduate school XX/XX/XXXX. During this period of time, I was working full time ( not in school ) at a qualifying employer. My employment certification for this time was submitted and accepted. Could you please review this record to that this time can be changed and added to my PSLF counts. I am unable to retrieve information from the service because they are closed ( direct loan servicing/acs ).
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (CA)

I am sending this complaint to formally dispute and request the correction of inaccurate information on my credit report regarding the XXXX XXXX XXXX account, with the account number XXXX. 

Contrary to the reported information, I have never been late on payments for this account. I have engaged in communication with the bank concerning this matter, and they have acknowledged the inaccuracies in their reporting. The late dates associated with this account were mistakenly attributed due to a family tragedy, which the bank has recognized as a valid reason for the oversight.
Consumer complaint received 2024-03-11
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: LEXISNEXIS (FL)

I am writing to provide additional information and request further assistance regarding my previous complaint filed with your organization ( Reference # XXXX ) concerning inaccurate and incomplete information provided by Lexis Nexis to the Credit Reporting Agencies ( CRAs ). Despite Lexis Nexis ' response, I continue to experience issues, and I believe there are further details that warrant your attention.

Lexis Nexis claimed that they were unable to authenticate my identity, initiating a dispute on my behalf. However, I want to clarify that Lexis Nexis already has my identification information on file, as evidenced by the attached documentation. Their contention that they do not issue tradelines but only resell information is not accurate. 
Additionally, I recently discovered that XXXX was not reporting any bankruptcy on my credit file until I filed a complaint with the CPFB on Lexis Nexis. Subsequently, XXXX began reporting the bankruptcy information. Enclosed with this letter, you will find documentation supporting this claim. 
I am formally requesting the removal of the bankruptcy information associated with case numbers XXXX and XXXX from my Lexis Nexis consumer report. I have obtained a letter from the Bankruptcy court explicitly stating that they do not provide information to the CRAs. That includes Lexis Nexis. This unequivocal statement serves as evidence of the inaccuracies and lack of verification in the information reported by Lexis Nexis. 
Furthermore, I request that Lexis Nexis delete any personal information from my consumer report, excluding the correct spelling of my name, current address, current telephone number, and current email address. As per the Fair Credit Reporting Act ( FCRA ) law, specifically 15 USC 1681i ( 5 ), Lexis Nexis has a duty to maintain accurate information in my consumer file. The inclusion of inaccurate bankruptcy information and the failure to verify my identity are clear violations of this statute. 
I assert my right to privacy and emphasize the importance of Lexis Nexis adhering to permissible purposes outlined in the FCRA. The inaccurate information has caused me significant distress and may adversely affect my creditworthiness. I kindly request your continued assistance in resolving this matter promptly and ensuring that Lexis Nexis rectifies the inaccuracies in my consumer report.

Enclosed with this letter, please find additional supporting documentation, including XXXX 's reporting changes and any information that may aid in the reinvestigation of this dispute. 
Thank you for your attention to this matter, and I appreciate your ongoing assistance in resolving this dispute.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've contacted XXXX XXXX XXXX XXXX XXXX XXXX NUMEROUS OF TIMES in demand to remove a inaccurate late payment that is on my credit report on XX/XX/2019 30 days late. I've been making on time payments and payment history is exceptional with this company. When I contacted XXXX XXXX XXXX XXXX XXXX XXXX they told me to get in touch with the bureaus to get the inaccuracy removed and that they didn't have any control on reporting. I then contacted Transunion, XXXX and XXXX on behalf of the inaccuracy and when I looked on my reports it is still on there. 

I've been denied for numerous of loans and credit card application because of this false inaccuracy on my credit reports and this is NOT FAIR!! I shouldn't be denied because of this because this was a mistake that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have a attorney on this case and will take legal action if this is not resolved asap. 

Please have the inaccurate late remark that is reported on XX/XX/2019 removed ASAP. This is my official written complaint.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX ( Original Creditor : XXXX XXXX  ) Payment Status : Collection/Chargeoff/last reported : XX/XX/XXXX Date Opened : XXXX Account Status : Derogatory Amount : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off account Auto
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a 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 2023-08-30
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: Experian Information Solutions Inc. (FL)

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2018-12-21
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (SD)

In XXXX of XXXX XXXX XXXX XXXX replaced the HVAC system in her home. As a finance option she was invited to apply for a payment plan that was 0 % for 60 months. She was approved and set up automatic payments to honor that arrangement. In XXXX she happen to open a mail item that revealed that she was not on a payment plan and that she had infact been lied to by the sales person and her information was instead used to apply for a credit card with Synchrony on a deferred interest plan for only 18 months. On XX/XX/XXXX I called on behalf of my XXXX year old mother and spoke to XXXX and XXXX regarding a resolution. I explained that the person that presented the offer and convinced her to apply did so using false information about the product and that we were interested in paying off the balance minus the deferred interest as this account was applied for under false information provided by the live person selling the financing options. XXXX had faithfully been paying on what she understood to be a 60 month payment plan and aince we discovered the deception I was prepared to help her pay off the balance. I was advised that they do offer a 30 day window past the regular deferred interest posting where they are willing to waive the interest in exchange for the balance being paid off. I was told that this is in place because often customers do not understand that it is deferred interest and call to pay it when they get their statement. However, since we became aware of the situation after that window there was nothing they could do. I explained that existence of that window suggests they are aware that customers do not understand what they are signned up for and advised that I consider this predatory lending at it's worst.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION (FL)

I have called Vystar since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically
Consumer complaint received 2024-04-19
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. (CA)

The three main credit bureaus, namely XXXX, XXXX, and TRANSUNION, have reported a negative account from XXXX XXXX  on my credit file. However, this account and balance do not belong to me. I have already attached a letter from XXXX XXXX  stating that after their thorough investigation, they have confirmed that this account is not mine and that it will be removed. Despite sending this letter multiple times, the negative fraudulent account remains on my credit file. Additionally, I have also submitted and attached the FTC report. XXXX XXXX  has been violating rules under the Fair Credit Act and Disability Rights, continuously refusing to properly resolve and correct this matter. I have been patient and waited for their response, but they have not taken any action yet. n patient and waited for their response, but they have not taken any action yet.
Consumer complaint received 2023-06-19
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc. (AL)

On XX/XX/year> I went to an atm inside XXXX  on XXXX XXXX XXXX, XXXX tn, to make a withdrawal of {$80.00}. It declined my withdrawal but still deducted the money from my account. I contacted the atm company customer service who in return directed me to my card 's customer service. I contacted customer service for my dasher direct card which is Payfare. They sent me a dispute form link which I filled out and attached the receipt from the atm and proof that I contacted the atm company. They replied that it would take XXXX days to hear a response. Which is a little bit long if you ask me. And the only reply I get is that it will take XXXX  days to finish my dispute. I need that money back. It has caused me alot of hardship trying to get a hold of customer service and get a real answer ad to why this happened and it's upsetting. I just want a resolution and for my money to be put back.
Consumer complaint received 2018-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE (FL)

This complain is about XXXX XXXX card ... while applying I was told to open a new card that I would earn a certain amount of points. 
Never got points, it was turned around on me and said I had to purchase. In the initial transaction online said transfer and new purchase. 

Second complain is about allocation of payment. I paid a lump sum in XXXX and majority was suppose to go to balance transfer. Only {$63.00} dollars was applied, and the rest was getting high interest rate. Every time a payment is applied it only goes to the first bucket of interest. According to my statement, the transactions are divided into two brackets. One is a higher interest rate than the other. So, I was paying higher interest rate for the balance transfer when money was apply to pay some of it off. The credit card company told me that they can't allocate payment.

So, if payment can't be allocated, why is there two bucket verses one payment. The statement is broken into different catergory. Please advise on this situation.

It's like buying 2 different purchase with two different interest rate. If it is so then a person should be able to allocate payment. If not then they owe me XXXX  point for opening a card with one interest rate as the rep claims. I believe to open a XXXX card was XXXX points or more at the time of promotion. 
Please advise to XXXX Thank You, XXXX XXXX
Consumer complaint received 2023-08-30
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-30
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. (TX)

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, XXXX, and Equifax that a thorough reinvestigation into these accounts is imperative. 
Account name : XXXX ACCT # XXXX Account name : XXXX ACCT # XXXX Nevertheless, they affirmed that all aspects were duly fulfilled and precise. Yet, one can not help but wonder how such a feat is possible when crucial details like the commencement date, the date of the latest activity, and numerous other factors are blatantly incorrect. As per the provisions outlined in 15 USC 1681 ( 5 ), it is incumbent upon them to rectify any accounts that are erroneously reported.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have evidence to prove my case