davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I have submitted my loan forgiveness XXXX  ago and was told my company was approved and to finish submitting my paperwork. I submitted it over XXXX XXXX  ago and not have heard anything back at all. In addition to that I have not been able to get statements from company, when I do get a statement it says that I have leas than XXXX XXXX to pay the bill.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
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: Experian Information Solutions Inc. (TX)

15 U.S.C 1692c - Communication in connection with debt collection ( A ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( A-1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( B ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 U.S.C 1692b acquisition of location information 15 U.S.C 1681 section 604 a -2 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 a : States that I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (TX)

I am writing to file a complaint against Professional Debt Mediation , Inc. regarding their failure to verify and respond to my dispute regarding a collection account they reported on my credit report. 

On XX/XX/2023, I submitted an indirect dispute to XXXX, XXXX, and XXXX, requesting that the collection account for {$3000.00}, which Professional Debt Mediation , Inc. is attempting to collect, be investigated. Unfortunately, the credit reporting agencies failed to conduct an investigation into the accuracy of this debt. 

As a result of the credit reporting agencies ' inaction, I took the initiative to send a direct dispute to Professional Debt Mediation , Inc. on XX/XX/2023, using the address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In my dispute letter, I specifically requested the following documents : 1. A copy of the contract : I need to know the terms of the alleged debt. 
2. A copy of the purchase agreement : I doubt that Professional Debt Mediation , Inc. actually owns this debt. 
3. The last statement showing a XXXX  balance, and all subsequent statements : I need to understand how the charges were calculated to arrive at the amount of {$3000.00}. 

To my dismay, I never received a response from Professional Debt Mediation , Inc. regarding my request for verification and documentation of the alleged debt. In my attempt to seek resolution, I sent another letter to Professional Debt Mediation , IncXXXX on XX/XX/2023, using the address listed as XXXX XXXX XXXX FL XXXX, XXXX, FL XXXX on my credit report. In this letter, I again requested verification and documentation to support their claim that I am required to pay the debt to the current creditor, XXXX XXXX XXXX 

Allow me to provide additional context to explain the situation with XXXX XXXX XXXX We had a prior agreement where it was mutually understood that my job might end before the contract date. XXXX XXXXXXXX XXXX  presented two options : either pay 2 months ' rent ( {$4000.00} ) less the deposit or find a suitable renter to take over the lease. We attempted to find suitable renters but were met with unfair obstacles. XXXX XXXX XXXX  raised the application fee from {$75.00} to {$300.00}, making it difficult to find renters. Additionally, when we found an attorney who met the requirements, XXXX XXXXXXXX XXXX increased the deposit for the already paid lease from {$400.00} to {$2000.00} for three months, making it impossible for us to find anyone on our own. Ultimately, XXXX XXXXXXXX XXXX put someone they knew in the apartment, taking their application, deposit, and rent, while attempting to withhold our {$4000.00} for no valid reason or purpose. There were no damages or actions on our part that led to any loss of profit. This situation feels like an unjust and forceful attempt to take money from us after they initially provided a way out of the contract.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act this creditor, XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

Section 15 USC 1681 Section 602 which states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit card late for any purpose.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To this date, they have not responded. 


XXXX ( Account # : XXXX, Date Opened : XXXX, XXXX : {$1700.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} ) was never late. Please correct this inaccurate information on my credit report. 
XXXX XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} ) was never late. Please remove it from my credit report. 
XXXX XXXX ( Account # : XXXX, Date Opened : XXXX, High Credit : {$3000.00} ) is not mine. Please remove it from my credit report. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ) is not mine. Please remove it from my credit report. 
XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) is not mine. Please remove it from my credit report. 
XXXX XXXX  Bankruptcy : Bankruptcy ( Reference Number XXXX, Date Filed XXXX XXXX, XXXX ) is not mine. Please remove it from my credit report.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (FL)

As reporting on my credit reports showing both dates on XX/XX/2021 from two companies : XXXX XXXX XXXX XXXX XXXX are both unauthorized & did not receive consent from me. 

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 resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days & I am a victim of identity theft. Please delete these items immediately. 

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 under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS 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 deletion of the consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts immediately!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The reporting of these account ( s ) is/are violations of 15 USC 168la , The Fair Credit Reporting Act [ 15 USC g1681 ( 0 ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these account be deleted right away from my consumer report.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

Opened XXXX Account on XX/XX/XXXX. Deposited {$50000.00} by ACH transfer received by Discover Bank on XX/XX/XXXX. For over XXXX  month access to account was suspended pending " identity verification ''. Uploaded my driver license and social security card on XXXX occasions. On XX/XX/XXXX I initiated request to transfer funds out of Discover Bank back to my original savings bank. That ACH transfer request has been canceled by Discover. Have spoken to many " account managers '' and " security specialists '' - no one able to provide info as to why account frozen. No one able to help me. Everyone gives me the run-around. No one takes ownership to solve the problem. Discover Bank currently holding {$50000.00} that I need back.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I received an alert from XXXX XXXX saying a collection was added to credit report. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and I need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt. I sent a certified letter in XXXX asking the creditor to verify the debt ie, signed document or contract which they failed to do. I have no knowledge of this debt. 

Thank you
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I request your urgent assistance in investigating and eliminating these fraudulent accounts from my credit report XXXX XXXX  XXXX this identity theft has caused significant distress and potential harm to my creditworthiness.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (NJ)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (CA)

There is an public record/judgement containing an eviction reporting for me for XXXX XXXX XXXX XXXX XXXXXXXX XXXX even though I have never lived there. There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain from corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureaus one bureau show 12 missed payments then at another bureau it is reporting 6 I will like for issue to be resolved
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (MI)

XXXX XXXX FOR XXXX AND XXXX. THEY BOTH DO A BACKGROUND CHECK YEARLY. I HAVE BEEN UNABLE TO XXXX AND EARN A LIVING BECAUSE THE 3RD PARTY BACKGROUND CHECK COMPANY CALLED XXXX HAS NOT RETURNED MY BACKGROUND CHECK. I HAVE MANY ATTEMPTS TO CONTACT XXXX, XXXX, EMAIL, WEBSITE. ALL THE RESULTS SAY THE REPORT IS PENDING. I CALL XXXX SUPPORT 4-6 TIMES AND THEY SAY THEY CAN NOT DO ANYTHING TO HELP ME AS THIS IS A 3RD PARTY COMPANY. I HAVE OFFERED TO PAY FOR AND OBTAIN MY OWN CHECK THROUGH A 3RD PARTY TO RESOLVE THIS ISSUE AND THEY WILL NOT ACCEPT THIS. XXXX STARTED MY BACKGROUND CHECK IN XX/XX/2023 AND IT IS STILL PENDING, MAKING ME UNABLE XXXX XXXX. NOW XXXX US USING THE SAME COMPANY AND I HAVE BEEN UNABLE XXXX XXXX WITH THEM FOR 6 WEEKS DUE TO THIS COMPANY. I HAVE AN EXCELLENT CREDIT SCORE AND HAVE NO FELONIES. I ASKED REPEATEDLY WHAT IS THE ISSUE AND CAN I SUPPLY SOME MISSING PIECES OF INFORMATION. BOTH COMPANIES HAVE STATED THERE ARE MANY OTHER DRIVERS WITH THE SAME ISSUE. SO ITIS TIME FOR ME TO MAKE THIS REQUEST TO TRY AND GET XXXX TO CONTACT ME AND TELL ME WHY MY REPORT WITH XXXX IS STILL PENDING SINCE XXXX. THANK YOU, XXXX XXXX
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I WAS VISITING A BRANCH NEAR ME FOR A MONEY ORDER AND A BRANCH EMPLOYEE OF ACE CASH EXPRESS HAD INFORM ME THAT I HAVE AN OUTSTANDING BALANCE WITH THEM SUPPOSEDLY OVER 10 YEARS AGO!. I SERIOUSLY THOUGHT IT WAS A PRANK! .HAVE NO RECOLLECTION OF THIS TRANSACTION WITH ACE CASH EXPRESS.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

All my accounts with XXXX XXXX XXXX XXXX XXXX were discharged in my XXXX XXXX XXXX XXXX XXXX they are reporting all accounts as a late payments. Lowered my credit score by XXXX points