davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (NJ)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP (NY)

I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The 2 people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all 3 bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.
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 — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I had seen a collection on my credit report with Credence not knowing what it was I asked for validation and I received an envelope full of bills from XXXX XXXX from a residence in Arizona. For the time of these bills I didn't even live in Arizona I'm attaching my driver 's license as proof of that if you look at the issue date. And I get a letter back after I asked them to validate that that they have validated it I don't know how this would be possible. I would like them to remove it from my credit report immediately they are trying to collect for a debt XX/XX/2019 XX/XX/2019 as well as added charges.
Consumer complaint received 2018-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WV)

On XX/XX/XXXX, I submitted a payment voucher from my XXXX XXXX XXXX award in the amount of {$460.00}. As per the process concerning these types of payments, XXXX then submitted a request for verification of my account, which was received by XXXX  on either XX/XX/XXXX, orXX/XX/XXXX. XXXX   then verified to XXXX my account with them. OnXX/XX/XXXX, payment in the above amount was submitted via first class mail to XXXX This payment was received onXX/XX/XXXX.

In the subsequent weeks, this payment has not been applied or credited to my account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called XXXX to inquire as to what I should do, since my account was showing a past due balance. I was informed each time not to worry, and that no subsequent payment would have to be made since the payment, when processed would be back dated toXX/XX/XXXX I was assured by each representative that I spoke with, including one supervisor, that this payment would count toward as a qualifying payment under the terms of my student loan forgiveness program. Under the direction of XXXX  and its representatives, I have not made another payment for XX/XX/XXXX, even though my account now states that I am fourteen ( 14 ) days past due, and at risk of not having made a qualifying payment for XX/XX/XXXX.

I am beyond frustrated. I am concerned, angered, and demand that the payment I made, be credited to my account. I do not understand how XXXX  can take this long to process a payment. In waiting, I have been caused a great amount of emotional and mental fatigue. This payment is constantly on my mind, and has caused me to lose weight, sleep, and is beginning to severely effect my physical health. I demand that this payment be credited to my account, and that XXXX   apologize for this indefensible delay,.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-10-20
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. (AL)

XXXX XXXX XXXX Is constantly posting on my report after I ask them to show Me proof with my signature stating that I own that debt. I do not owe them no type of currency at all why it was deleted from my other reports because they seem that account was inaccurate but some how it pop bck up on my Experian only but still lack of proof to say its mine. Its hurting my score tremendously n stopping me from being able to provide for my family I will sue for every violation thats committed on my consumer report.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XX/XX/2023 I submitted a request, through FSA, to have my loans placed on the SAVE plan. Nelnet, my student loan servicer, did not process my request. On XX/XX/2023 I submitted a second request, again through FSA, to have my loans placed on the SAVE plan. Again, Nelnet did not process my request. I have now made approximately 12 calls to Nelnet to rectify this issue. Each time, Nelnet has told me that the application is pending, but that it would be processed and my amount due would be updated. I received this feedback on each call, except the final call I made, during which Nelnet told me that they would be unable to process my request to transfer to SAVE until after my payment was due. Months after my initial request, Nelnet still could not process a simple application to switch to the new plan. Nelnet 's solution on this final call was to place my account back into forbearance, accruing daily interest, until they could process my application in XXXX. But they could not even do that correctly. It has now been two weeks since that last call- and one week until my payment is due - and my account is still showing as standard repayment with a payment due XX/XX/XXXX. I have received no written correspondence from Nelnet. I have received no calls from Nelnet. My only recourse is to call on a regular basis, sit on hold for hours, speak to a representative who assures me the problem will be fixed, and check my account day after day as my payment date looms. If Nelnet is unable or unwilling to service student loans, particularly at a time when borrowers are reentering payment, then the government should not allow them to do so. The amount of stress that this process has caused and continues to cause is unacceptable, both on the part of the student loan servicers and our government.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
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. (NY)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$22.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$810.00}.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

My ex put me on her Citi credit card as an authorized user when we were together and I never made a payment using the card. When we broke up I told her to remove me from the account and I threw my card away. Now I found out she never had me removed and her debt that she has on the card is hurting my credit score. I keep trying to contact her and have her get me removed but she purposely avoids me. I tried calling the customer support myself too but I can't even talk to a representative without the card number or the primary account owner 's social security number.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

They are reporting misleading information on my credit report i have no acknowledge of these account or seen them before please remove these accounts asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Start - XXXX XXXX - I never went to college
Consumer complaint received 2018-12-13
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. (FL)

On XX/XX/XXXX I learned Equifax had not deleted an account ( XXXX XXXX XXXX ) that I received notification from the the creditor and the OFR would be deleted. The letter was sent to all three bureaus on XX/XX/2018. I filed a dispute for the umpteenth time with Equifax since they " obviousy '' didn't receive the request. I received a response to dispute today that the account has been verified as accurate by XXXX but they modified status date and balance date. Equifax is playing games and I want it to stop! It is OUTRAGEOUS that after the creditor would respond to the Attorney General and myself that they have sent requests to delete that Equifax is the ONLY bureau that did NOT receive it AND verified the account as accurate FOUR months after the fact. I want this company STOPPED! They do not investigate anything. They barely review your request. I am being fiscally harmed by their inept ability to handle business accordingly.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Iam writing to delete the following information in my file. The items I need deleted are listed in the report. Iam a victim of identity theft due to home robbery and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision, and I also enclosed copies of the Federal Trade Commission 's Identity theft affidavit. Please delete as soon as possible.
Consumer complaint received 2018-05-12
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. (TX)

has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late forXX/XX/XXXX. I have called the XXXXXXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX, Transunion, nor XXXX  have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of late.
Consumer complaint received 2021-08-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK (TN)

I had 4 CDs with First Horizon in XXXX, TN ( Formerly XXXX XXXX ) years ago. I was cleaning out an old file on the CDs I had and found paperwork on the 4 CDs. I called and spoke with XXXX initially on XX/XX/21 to look into what happened to the proceeds of the CDs. She was able to find out the info on 3 of the 4 and said she would get back with me on the fourth CD. She did not call me back so I called again XX/XX/21 and she said she would email that department and get back with me. Again, no call back so I called and spoke with XXXX on XX/XX/21, he said she was off and would have her call me the next day. Again, no call back. All I wanted was documentation on what happened to the proceeds of the last CD. She told me the other 3 were closed but I no longer trust that information verbally and now l would like documentation on the other 3 CDs. Please contact me for the account numbers on all 4 of the CDs. Thank you,.
Consumer complaint received 2023-10-20
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. (NJ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
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. (NC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-07-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2023-10-20
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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