davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but affirm keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX  account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my nasty XXXX XXXX XXXX XXXX  divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- XXXX XXXX XXXX XXXX and Experian. If you view my entire history you will see my history. 

Thanks XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
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. (FL)

I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but XXXX  keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my XXXX XXXX XXXXXXXX sealed record divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- Equifax XXXX XXXX XXXX and XXXX. If you view my entire history you will see my history. 

Thanks XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-24
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. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. This account has not been properly verified. 

XXXX credit bureau DELETE THIS ACCOUNT because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please DELETE this account XXXX XXXXXXXX XXXX from my report immediately for failing to comply with FCRA. 
THANK YOU FOR YOU TIME
Consumer complaint received 2023-07-10
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. (TX)

XXXX XXXX is fraudulently reporting an account on my name that does not belong to me. When I previously contacted the company, I was advised that this credit was from my college that I was attending at the time, which I came to find out was not true! This company is reporting this account on my name with an incorrect address and contact information attached. I have never resided at this address. I also would like to see the contact information that this company has on this account, as well as the banking information that they claim to have received payments from. Nothing associated with this account belongs to me and I have also filed a police report with the XXXX Police Department regarding this as well! This account needs to be removed from my name and credit profile/reports immediately, as I am willing to acquire legal aid regarding this as well.
Consumer complaint received 2023-10-24
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)

I called NELNET on XX/XX/2023 I tried to get in contact again both via email unsuccessfully, and on the phone. They do not respond with anything helpful, and do not pick up the phone ( today I was on hold for over an hour and a half until I finally gave up ). 

Nelnet has been blaming the department of education and anyone else they can for their incompetence. I have been trying to get my loans off a forebearance that I was wrongfully placed on since early XXXX. This was a forbearance that I opted out of on 2 different forms ( minimum ). The first time I called the rep told me I need to call the department of education. I called the department of education and they told me this was incorrect. I called NELNET again ( extremely long wait time I had to miss a few hours of work for ). The representative on the phone blatantly lied to me and did not do anything to remove this forebearance despite claiming it would be removed within 2 weeks and all interest accrued would be corrected. 

Yes, CONVENIENTLY for Nelnet this problem occured when interest started accruing again, and they have been charging me interest on my loans that I have no way to set up autopay on ( SAVE is supposed to forgive any excess interest that isn't covered by the monthly payment ). When I called them they lied to me and told me they would remove the forbearance from my account- which they didn't do. Here I am stuck holding this ticking time bomb. Begging for help in any way possible. I am considering giving up and going on strike. My life is already ruined by these loans anyway. 

Meanwhile Nelnet sends me emails that don't make any sense. They have given me 5-6 different monthly payment totals. I have no idea who to contact or how I can get this resolved. I have tried calling the us dept of education ( federal student aid ) and they can't do anything about it. They says it's managed completely by NELNET. 

I can't believe these are federal loans being managed so poorly, and at MY expense. I have no idea how I will ever have a life that is not in a chokehold from the crippling debt, the system state of chaos, trying to understand the legalese, from my student loans.
Consumer complaint received 2023-10-24
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. (FL)

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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-24
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. (SC)

Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all 3 of the credit bureaus more than twice and no action has been taken.
Consumer complaint received 2024-04-08
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. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-04-20
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. (TX)

This is the several time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: VYSTAR CREDIT UNION (FL)

Once again Vystar and XXXX have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to VYSTAR CU the account number was from XXXX. XXXX account number is 510750
Consumer complaint received 2023-10-24
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. (TX)

I have reached out to all 3 of the credit bureaus and they have given me the run around I have sent in my FTC report in months ago here are the accounts and inquires that need to be removed Immediately. 

Account Name and Account Number 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 2024-04-08
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. (TX)

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 2023-10-24
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. (SC)

Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all 3 of the credit bureaus more than twice and no action has been taken.
Consumer complaint received 2023-04-21
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (AL)

In XX/XX/XXXX, I submitted a written request to XXXX XXXX, which they acknowledged having received. In my letter, I requested verification to ensure that the debt they reported was complete and accurate. Later that month, XXXX XXXX confirmed the debt 's accuracy. They also updated the comment section of my consumer report to read, " Consumer disputes after resolution. Charged off account. '' So from XXXX forward the charge off amount, late payments, and date of first delinquency should have never changed seeing as this is a CLOSED/ CHARGED OFF ACCOUNT that was supposedly verified. 

However, in XXXX XXXX after being denied credit by another lender, I reviewed my consumer report and identified discrepancies, incompleteness, and inaccuracies in the information reported by XXXX XXXX. This is concerning, especially since XXXX XXXX had previously assured me of the accuracy and completeness of this information in XXXX. 

Following my discovery, I lodged a complaint with the CFPB. In response, XXXX XXXX updated the information on my consumer report. However, this was not my request. Given the prolonged negligence on their part and the resulting implications over the past three years, I had asked for the deletion of this account from my consumer report. 

My consumer rights have been violated. As per 15 U.S.C. 1681i, if the information isn't accurately reported upon a consumer 's request, it is mandated to be deleted. By this provision, the account should have been removed in XXXX after the 30 days of it not being properly updated. 

In light of the above, I urge that this account be deleted from my consumer report without delay. I appreciate your immediate attention to this matter. 

Lastly, in accordance with the Fair Credit Reporting Act XXXX XXXX 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. 

Thank you.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate 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 that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX - XXXX XXXX - XXXX