davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (FL)

I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX  XXXX Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.
Consumer complaint received 2024-04-06
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. (NC)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (ME)

The Debtor has an account on my credit report, I have disputed the debt with all 3 credit bureaus and they have failed to fully investigate. I recently received a letter from Debtor stating the everything is correct, but it is not. A judgment was made without my knowledge by a court or my permission, and I was not summond or notified, Nor did I sign or give this Debtor any permission at all to obtain any of my personal information. According to Fair Credit Act Law, a case has to be filed in the state where you reside, or, where you signed contract. while filing disputes with all 3 credit bureaus the Debtor has not provided my signature in wet ink which I asked for, for proof of debt or proof of permission to have in their possession my personal information. If it is on my credit report, they must provide proof of contract in wet ink, signed by me, and also proof I have givin them permission in wet ink, to obtain my personal information. They have not provided any documentation, which by federal law is fraud, for them having possession of my personal information, and making false, fraudulant, statements on my credit report without any possession of my signature in wet ink, or, permission with my signature stating, they have permission to have my personal information.
Consumer complaint received 2023-10-18
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX. I am writing because today I received a call from XXXX XXXX XXXX  and when I gave my information they seen they contacted the wrong person and I feel that if this is happening then how many other agencies are going to contact me because I have the same name as someone else? Also, on my credit reports I have noticed that there are addresses that do not pertain to me. That's a red flag. I feel these credit reporting agencies and bill collectors are attaching anyone 's information to me because either they have the same name, identical spelling and even the names could be spelled different but yet get attached to me. I have been a victim of identity theft before and this is scary. Something needs to be done about this because I'm sure I'm not the only one having this issue and therefore it can also impact my credit, jeopardize my life, etc. This needs to be addressed because collectors are calling anyone that has the same name and it's troubling.
Consumer complaint received 2023-04-19
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. (GA)

Transunion clearly has no respect for the laws intended to protect consumer reports or Congress. I asked Transunion to update the correct date of last activity or delete the account marked XXXX XXXX on my consumer report. Transunion is still reporting a date of last activity of XXXX and claiming this was verified after it has already been determined the date of last activity was incorrect and unverifiable. XXXX has since deleted that account due to the inaccuracy and accounts on my consumer report should look exactly the same. XXXX deleting this account proves Transunion did not do a proper investigation and has harmed me by reporting an account they knew or had reason to believe was inaccurate. I have attached proof of this deletion to my complaint.
Consumer complaint received 2023-02-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CA)

Chase Auto, CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : FRAUD/AGGRAVATED IDENTITY THEFT I am aware that the social security number belongs to the Social Security Administration , and all things purchased with that identifying number are obligations of the United States in accordance with 18 USC 8 , and being that you, CHASE AUTO , CFO : XXXX XXXX XXXX is attempting to collect a debt from me, the consumer makes you, CHASE AUTO, CFO : XXXX XXXX XXXX guilty and in violation of False Claims Act 31 USC 3729-3733 .

CHASE AUTO, CFO : XXXX XXXX, is also in violation of 18 USC 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on an alleged debt not owed. I DID NOT AND DO NOT CONSENT to you, CHASE AUTO, CFO : XXXX XXXX, furnishing this information to my consumer report. I did not give authorization or permission to have my personal identifying information which you have obtained by aggravated identity theft in accordance with 18 USC 1028A.

This is a notice to CEASE AND DESIST of all illegal activities, including reporting an unpaid balance that constitutes collection activities. This is also NOTICE exercising my rights to prevent the possession of my personal data by CHASE AUTO for the account opened in XX/XX/2021 with account # XXXX. 

Failure to update my account in 4 days on my consumer report as requested will result in legal matters being taken and me turning you CHASE AUTO, CFO : XXXX XXXX, into the Federal Trade Commission for aggravated identity theft and fraud. 

If this matter is not resolved by the time specified above. I reserve the right to commence legal proceedings to recover damages without further notice to you and this letter may be rendered as evidence of failure to comply. 

Warm regards, XXXX, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX  XXXX Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
Consumer complaint received 2023-04-07
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. (MD)

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 accounts. 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.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION (DC)

I have received by first printed bill from Truist after transfering my from another card in XXXX. The terms of the Truist Credit Card balance was 0 % interest for 1 year/12 months. When I looked at the bill that I have received it was NOT 0 % ( bill attached ). When I received the letter that my balance transfer was " in process '' there was NO mention of the change of terms of the transfer. I called XXXX on XX/XX/XXXX at XXXX pm to discuss the Bait and Switch and spoke with XXXX ( who was very nice ) but told me there are NO credit cards available now for me with a 0 % balance transfer and that would create a report # XXXX. In Mid XXXX BEFORE I made this transfer my Credit rating was XXXX and I would NOT have applied for another credit card balance transfer if it wasn't 0 % interest for a set period of time!!! When I submitted my information, Truist had your choice of THREE different credit cards with different benefits but ALL THREE HAD 0 % balance transfer. Please help, there was not small print that gave the consumer a chance to decline if there were different terms!
Consumer complaint received 2023-10-18
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. (AZ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
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. (NE)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a modification application on XX/XX/2019 as successor in interest under Civil Code section 2920.7. My successor in interest status has been verified. 

Specialized Loan Servicing 's request for additional documents is unreasonable. SLS refuses to process my modification application with due diligence. It finds reasons not to communicate with me in good faith or process the documents I provided in support of my modification application properly as is required by law. 

Furthermore, SLS refuses to endorse my insurance proceeds for sewage damage to my kitchen. Please see XXXX letter to SLS for detail. THIS IS A COVID-19 HEALTH RISK AS I RESIDE WITH MY XXXX-YEAR OLD GRANDMOTHER.
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

On XX/XX/2023, at XXXX XXXX, I called Nelnet to get details on why they could not process my request via studentaid.gov for a change in my repayment program. I was on hold for 1 hour and 35 minutes before I had to hang up due to other obligations. I still have not been given a reason, and my repayment plan has still not changed. Nelnet does not have a call you back option when waiting to speak to their customer service.
Consumer complaint received 2023-10-18
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. (AZ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
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)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
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)

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, Equifax and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my credit file. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the removal of the fraudulent items. 
Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.