davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, I am writing to formally dispute the validity of an account that has been verified by Equifax on my credit report. Despite my repeated attempts to challenge the accuracy of this information, Equifax has consistently upheld the verification of this account without providing sufficient evidence regarding the verification process. 
Under 15 U.S. Code 1681i section 5a, I have the right to request detailed information about how XXXX verified the account in question, including whom they spoke to, the date of verification, and what specific information was provided. This provision explicitly states that if the information can not be verified, the account must be removed from my credit report. Equifax only removed one account and I addressed multiple accounts that are needing to be removed. Below are the current accounts I am disputing that need to be removed from my credit report : XXXX XXXX XXXX Balance : {$0.00} This account needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove and block. 

XXXX XXXX XXXX XXXX These three accounts needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove all three accounts and block. 

XXXX XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

XXXX XXXX  XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

I have submitted multiple disputes regarding this account to Equifax, yet each time I have been met with the same response indicating verification without transparency regarding the verification process. As a consumer, I am entitled to clear and thorough documentation regarding the verification procedure to ensure the accuracy of the information on my credit report. 

Therefore, I demand that XXXX rectify this situation within 10 business days of receiving this notice. This entails providing me with the requested information regarding the verification process for the disputed account or, failing that, removing the account from my credit report in accordance with the aforementioned statute. 
Failure to comply with this request within the specified timeframe will result in further action being taken to ensure my rights as a consumer are upheld. I expect prompt and decisive action on this matter and will be monitoring the progress closely. 
Please acknowledge receipt of this dispute letter and provide confirmation of the actions being taken to address this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I purchased a mattress from Mattress Firm. They have a policy, if you don't like the bed, you're allowed a replacement. I did not like any of the beds, and they were returned. 

I later went online and found another mattress from Mattress Firm for {$540.00}, although online it said memorial days sale of {$500.00}. No problem, I accepted the {$540.00} and financed it through Synchrony Bank, credit card # : XXXX XXXX XXXX XXXX. I made payments on time. I received a paperbill initially and was told my bed now cost {$990.00}. I emailed synchrony bank and was told it would take up to three months to get the paperwork together. 

Guess they figured it out, so my bill is now {$540.00}, but each month I pay it down, it increases. As of today, I owe {$87.00}, however, via a message from Synchrony Bank yesterday ( XX/XX/XXXX ), I'm told my balance is {$210.00}. During XX/XX/2023, they charged me {$72.00} in interest. Previous interest has been $ XXXX dollars. 

I sent them an email, and they said my balance keeps increasing because I missed the promotion they claim they sent me via mail. I only received a bill in the mail once and immediately contacted them about the promotion. I was told I missed it, so therefore my payments would increase. HUH! 

They now send email statements showing me my balance. There is nothing on the balance showing sheet about a promotion. It says how much is due, and I pay it. My understanding from my one phone conversation, and from their messages to me is, if I don't respond or accept their 'promotion ', then they have the right to keep increasing my balance. 

As I make the payment for this month, my balance will be {$50.00}, and I plan to pay it and make no more payments. I've paid my bill on time and I've paid their interest, but, I'm confused as to why I have to pay these 'promotional " fees. Do I need to get a lawyer? Thank you.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

You [ XXXX XXXX XXXX, XXXX XXXXXXXX XXXX , ] replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { XXXX, Transunion, } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make 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.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (NJ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Winklevoss Exchange LLC (CA)

I check my liittle that I have set up with Gemini. I don't invest a lot because it's crypto currency and I'm exploring but buy little amounts. The account last week was around {$500.00}, and all of a sudden my account has been frozen. 

I tried to call and can only email which I did to ask why. 

There has been no response and this AM I found a phone number and called. I got some recording. I'm sure there won't be a reply. 

Something is wrong. I can't even pull the funds out.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My info was sold and bought illegally because I was a victim of the Equifax day to breach I want these items deleted off my credit report effective immediately I am attaching proof that Equifax has admitted I was in fact a victim of this data breach and Equifax has done nothing please help me delete these illegal accounts from my credit reports
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

I am currently serving in the XXXX XXXX XXXX, and was prior XXXX and XXXX XXXX XXXX totaling 15 year of service since XXXX. 
I enrolled in XXXX university for a XXXX XXXX in XXXX XXXX for three years XX/XX/XXXX-XX/XX/XXXX. 
During My attendance I was summoned to XX/XX/XXXX XXXX XXXX on temporary status which delayed my four year degre completion. 

I applied for student loan thru MOHELA after depleting my XX/XX/XXXX g.i. Bill, and I had one more class to finish. 
The school did not notify any of their students that they were shutting down as a result of accreditation loss and low student attendance. In fact, I found out thru the news in in the morning during my daily routine on XX/XX/XXXX. 

I informed the student loan lender. They wont be flexible to accepting very low payments despite my income hardship, and in the mean time Im waiting for student relief assistance program to help me discharge this loan which is a long term wait. 

The anomaly of this event that I never thought would happened to me as im Learning as I go in this process is that the student lender practices is unethical. 
The student remains unaware of the lenders security process to assure that the school is not going bankrupt, or if they are abiding by law and education standards state and nationwide. Thus endangering the students/customers economic well being as well as their credit. 
Hence, the customer has right to be informed of such potential risk if the school chooses not to inform the student.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my 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 XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -XXXX -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (KY)

Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802.

In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 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 2023-04-13
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, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00}
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

To whom it may concern, I would like to document a recurring issue I am having with my student loan servicer NELNET. I graduated in XXXX with the total original amount awarded {$150000.00} and to date {$140000.00} Paid Off. Yet my current balance remaining/owed is {$38000.00}. In the original payment plan that I applied for when I entered the graduate XXXX XXXX at the age of XXXX XXXX XXXX, my understanding is that I would have a total of 10 years or 120 payments. And there was no clear explanation that interest on my loans would be capitalized ( compound interest vs simple interest ). 
On several occasions over the years I have reached out to NELNET regarding different payment amount ( s ) due. One recent example is on XX/XX/XXXX my amount due was {$330.00}, then on XX/XX/XXXX my amount due was {$310.00}, and as of today 's date XX/XX/XXXX my amount due is {$530.00}. The mass fluctuations appear to be intentional and misleading in nature, an attempt on behalf of NELNET to practice predatory lending and provide misinformation. 
The offices at NELNET have taken over 45 days to process an income driven payment application ( submitted on XX/XX/XXXX and as of today 's date XX/XX/XXXX it is still processing ). This timeframe is not reasonable. Of note, I even have an IDR application dated XX/XX/XXXX that is still " in review '' which makes zero sense. 
Additionally, as per the federal department of education, payments were supposed to be readjusted by NELNET in a recount for borrowers. However NELNET has yet to inform me of what my readjusted payment count is, despite my previous complaint. I hope this can be resolved not only for me but for many student loan borrowers who have been misled and misinformed for too long.
Consumer complaint received 2024-04-22
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. (FL)

transunion inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX Inquiry : XXXX. XXXX, 2023
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I am receiving scam calls daily from people who tell me that my personal information is being used to open accounts at XXXX XXXX  Today this person identified himself as XXXX XXXX. Phone # XXXX. He then transferred me to a person that he stated worked for Experian. This man said that his name was XXXX and that he also worked for Experian. He had all of my personal and credit card information. He told me that there was a red mark on my Experian account. I asked him repeatedly the reason for his unsolicited call. He told me that I have trust issues. I hung up and blocked his #. I attempted to contact Experian to see why this man has my credit card information, however, I am not a subscriber and I was unable to locate a viable # or XXXX mail. I receive this particular scam call several times a week. In fact, In a weeks time, I receive at least 6 scam calls daily regarding various services. These unsolicited scam calls are very annoying.
Consumer complaint received 2023-05-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-04-18
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, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}