davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. 1681 SECTION 602 A. STATES I HAVE A 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. 

ON XX/XX/2022, EXPERIAN AND XXXX FALSELY REPORTED XXXX XXXX XXXX XXXX FOR {$340.00} WITH A 346 MONTH TERM AS A COLLECTIONS ACCOUNT ON MY CREDIT PROFILE. THIS WAS AN AUTO INSURANCE POLICY I SIMPLY CHOSE NOT TO RENEW. I HAVE CONTACTED ALL PARTIES VIA PHONE AND DIRECTLY THROUGH THE CREDIT BUREAUS WITH NO SUCCESS.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (TX)

I am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Late Payments to Update : XXXX. XXXX Inquiries to remove : 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

XX/XX/2024 : Discovered multiple unauthorized soft and hard inquiries on my credit report. Verified that I have never engaged in any financial transactions with the banks associated with the hard inquiries. Conducted a thorough review of my financial records to ensure that I did not inadvertently initiate these inquiries. 

Actions Taken : Contacted Equifax to address the unauthorized inquiries on my credit report. 
Due to my lack of knowledge or involvement in any of the financial transactions associated with them, Equifax has requested additional verification of my identity before taking further action on removing inaccuracies. I have never engaged in any financial transactions with the banks associated with the soft inquiries.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (IL)

Without my knowledge, a credit account was opened in XXXX. {$6000.00} was withdrawn in XXXX. then over another 2 months another XXXX XXXX dollars were withdrawn. This credit account is opened with American Express. I have never been to this bank and never opened an account there
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

By provisions of 15 US section 1681i of the Fair Credit Reporting Act. These items need to be investigated. This account is being reported as a collection/charged off account on my credit report but these account have been sold off to third party collection agency
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I received my credit report last month and apparently I have a debt with the national credit systems company for XXXX dlls in the name of XXXX XXXX XXXXXXXX XXXX in which I was living in XXXX and with which the contract was terminated in a timely manner At that time they were making a change of administration, so I am sure they made a mistake with my contract, I was never notified that I had a debt, I just found out when I received my report, which I hope will be repaired
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy.

Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law.

There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules.

One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore.

Thank you for understanding. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by XXXX XXXX XX/XX/XXXX. I was really having some personal issues as I am a victim of XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 

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. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION (WA)

I have downloaded the entire history of my student loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Sallie Mae is not listed on there at all. I have never had a Sallie Mae loan, I have never cosigned a Sallie Mae loan. 
I had no idea they were lying until I filed for XXXX and was told I didn't qualify because I have no loans in default, arrears, or charged off. They immediately got me in contact with XXXX who told me I have never had a Sallie Mae loan. 
I then filed for, and was approved for, XXXX which took exactly 10 minutes to consolidate all my loans over to XXXX, and receive confirmation. 
I was finally able to get a download of the list of every single one of my student loans I have ever had in my life from XXXX, and Sallie Mae is nowhere on there, just like they told me on the phone. 
This is fraud. It needs to be removed immediately.
Consumer complaint received 2024-04-23
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX 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 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I gave my daughter my credit card to purchase school supplies for my grandkids. She took my credit card and went to a bunch of different other stores without my permission or consent, signed my name and charged up over {$400.00}. I called the company and I told him I didnt authorize any of these charges, they said they would take care of it. In the meantime I was making a payment so my credit would not get hurt. They sent me a check for the amount that I gave them and said I did not have to worry about the charges because I didnt authorize them the following month I received the bill for {$27.00}. I called them to ask them what this was she explained to me that one of the consumers Wanted {$27.00} I think to settle the claim I said no Im refusing to pay that because I did not receive any merchandise. I did not sign for anything and I did not give consent to anything. She told me she would handle it I received a bill this month with that {$27.00} and also late fees, I tried to call them and ask them what was going on and they refused to take the amount off my credit card and said when they sent me a check for the amount that I paid on the credit card they sent me an extra {$27.00} I never received a letter in the mail stating that What he said I didnt receive a phone call or any emails I wasnt aware of any of this and then they hit me with a late fee and now theyre insisting I pay it or theyre gon na ruin my credit so I need to know what I can do about this because this is against the law And its hurting my credit right now because theyre putting in that I was late on a payment
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

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.

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 2024-04-23
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)

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. I ask XXXX, XXXX, and Equifax to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including XXXX, XXXX, and Equifax, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

These actions were taken to mitigate the damage caused by this incident and to prevent further misuse of my personal information. I am seeking the immediate removal of this fraudulent account from all records and assurance that measures are put in place to protect against future incidents of identity theft. 

The accounts and inquries that are the result of fraud are below ; Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX please remove any other name from my file they are not right ( XXXX XXXX XXXX 
My address is XXXX XXXX XXXX  XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Express Enrollment LLC (MN)

Hello- I was approached by a company- SLFD Processing ( Student Loan Forgiveness Discharge ) to enroll in a permanent loan forgiveness/discharge program. I was told that if I made XXXX consecutive payments of {$140.00} that after 10 years, all of my loans would be forgiven. Now I'm discovering that this company is no longer around as it must have been a scam and the Federal Gov't has closed them down. So I'm stuck with all of this student loan debt that I was told would be forgiven!!! I'm a teacher and I barely make enough monthly to get by so now having to start paying this debt back???? I'm so nervous about all of this, can't the Federal Gov't provide the Deferment of Forbearance program for this??? They told me I had to work with you since the loans have all been transferred to you now. Can you please advise a way to see how I can possibly get these loans forgiven and my money back from my payment for this scam??? Thank you very much! 

The total amount of my loans is almost {$23000.00}. This may seem like nothing to you however it's alot for a new teacher. 

PS- I'm going to try and upload the forms they had me sign! 

XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.