davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (TN)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX **** XXXX, have 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 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

The Credit bureaus stated my accounts were properly investigated, but how is that possible if the open dates are inaccurate, account numbers are inaccurate, the date last active is inaccurate, and reported balances are inaccurate. 

The Credit bureaus claimed accounts have been verified, but have not provided proof or sent me the original documentation with my signature on it. According to the FCRA, any information that can not be 100 % verified, must be removed. 

The bureaus have violented cease and assist, and have also infringed on my right of primacy on multiple occasions, as well as taking more than 30 days to complete my investigations. 

This ground for removal, they also violated my rights under : 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.
Consumer complaint received 2018-10-22
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: NAVY FEDERAL CREDIT UNION (VA)

NFCU told me they would remove my tradeline if i made my auto loan payment in full. I was late on 2 separate occasions at the end of XX/XX/XXXX and beginning of XX/XX/XXXX. In early XX/XX/XXXX,  I payed the entire loan off. The tradeline was never removed.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2018-10-22
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. (IN)

I have reached out to the XXXX, XXXX, and Experian in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
Consumer complaint received 2023-05-11
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. (SC)

I was a victim of identity theft once more, and I'm requesting once more to have the data arising from that identity theft removed from my credit report. Credit Bureaus are obligated to remove any goods in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following the receipt. Additionally, I have my questions regarding the accuracy of some of the information provided on some topics because it is UNKNOWN to me and REMOVED from other agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-22
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. (GA)

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX   )
Consumer complaint received 2018-10-22
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: Alabama Housing Finance Authority (AL)

XXXX XXXX has failed to provide validation/verification for negative inquire showing on credit reports. I have sent correspondence via certified mail and a reply has gone unanswered. I expect creditor to remove entry from credit report for not answering certified mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Consumer complaint received 2023-05-11
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. (NV)

I'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-05-11
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-05-11
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)

My personal information is incorrect Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Did not consent to unauthorized inquiry. XXXX XXXX XXXX XXXX  Please Remove It From My Credit Report. 

Did not consent to unauthorized inquiry. XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 

Did not consent to unauthorized inquiry. XXXX XXXX Please Remove It From My Credit Report. 

Did not consent to unauthorized inquiry. XXXX Please Remove It From My Credit Report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 

XXXX XXXX  Account Number : XXXX ** Validate/inaccurate reported late payments. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 

XXXX XXXX Account XXXX : XXXX * Validate/inaccurate reported late payments. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 

XXXX XXXX Account XXXX : XXXX ** Validate/inaccurate reported late payments.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I have problems with a company named CHEX SYSTEMS INC. Since they are reporting a checking account on my XXXX credit report. Which is affecting me too much since when I apply for credit cards they don't approve them even though I have a good credit history. 
I talked to transunion but unfortunately they still haven't been able to solve the problem. Since this account is reflected in the third party supplementary information part, I demand that it be IMMEDIATELY REMOVED FROM MY XXXX CREDIT REPORT. Since this account does not belong to me and they are making me FRAUD. Because I only have 3 checking accounts and I currently have them active.
Consumer complaint received 2023-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-02
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. (CA)

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. XXXX XXXX XXXX XXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (PA)

Jefferson Capital has illegally reported XXXX  collection accounts to my personal credit reports. According to their own words, The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems ) can not sue you for it and we will not report it to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. I live in the state of Pennsylvania where the statute of limitations is 4 years. According to their own statement these unverified and unsubstantiated debts are already over this statute. 
I request that Jefferson Capital verify all of the following information Full original account number Date original account was opened Any written agreements between myself and the original creditor stating the amount owed Full account summary and itemized calculation the debt owed Date of first delinquency with original creditor Dates and times of any contact with myself trying to actually verify the debt.
Consumer complaint received 2023-01-17
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. (IL)

I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you XXXX, Transunion or XXXX or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.
Consumer complaint received 2018-10-22
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. (AZ)

Owed {$500.00} debt with XXXX XXXX XXXX  and was sued by XXXX XXXX for {$2300.00} I never knew about court until my employer received garnishment of wages, I settled to pay {$2200.00} with XXXX XXXX before garnishment took effect. First payment XX/XX/2018 of {$1000.00} and second payment for {$1200.00} on XX/XX/2018. I paid XXXX XXXX firm early on XX/XX/2018 {$2300.00} because second payment I made on online with XXXX XXXX would not let me choose amount of {$1200.00} as aggreed on a recorded line. When I called lawfirm they said didn't matter and I wouldn't get a refund since I owed that debt anyway regardless of what was agreed to.I disputed multiple times with 3 major credit bureaus debt was settled but XXXX XXXX keeps reporting debt is negative and keeps coming back as I am responsible. Debt was paid off in XX/XX/2018. My husband was also sued for same debt through XXXX court, he also shows on his credit reports that it is delinquent for {$7200.00} larger amount than what we were sued for and owed. I was fired from employment due to this mess and unable to get credit or loan due to lien/ judgement against me on my consumer reports.
Consumer complaint received 2018-10-22
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. (NV)

" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-07-13
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: Eastern Account Systems of Connecticut, Inc. (GA)

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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

" upon further research I found this company isn't even licensed to collect in my state ''. 
This is the second time i have complain about Eastern Account System of Connecticut they completely ignore my first complaint so i'm resubmitting. here is a copy of their response- I am happy to assist you, additional information is required to accurately locate the account in question. Please provide account number ; if you do not have the account number the amount reporting on your credit as well as the additional creditor. Please verify your date of birth as well. Thank you Please contact me @ XXXX- thank you
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (IL)

In XX/XX/XXXX, American Express raised my APR to 28.99 %. Unfortunately, I did not become aware of this until XX/XX/XXXX. American Express states that it raised my APR to this amount due to a late payment. I normally make payments through the American Express mobile application or their website, and there may have been times where I mistakenly scheduled a payment past the due date. The company charges late fees, which I understand, but raising the APR to this astronomical amount is predatory behavior and directly impacts my ability to pay down this debt. 

I asked American Express to lower my APR back to the 12 % or 14 % that it was previously, and to credit or otherwise adjust my account balance to reflect interest fees at that APR. I felt this was a reasonable request, where I would still be responsible for interest fees at a still above-average rate due to my credit. I have had this account since XXXX, and have maintained the account in good standing the entire time. 

American Express refused to make any adjustments to the account, stating that it has a rigid policy that prohibits any exceptions, even though it recognized this rate as egregiously high. 

American Express 's own website provides guidance on debt settlement : https : //www.americanexpress.com/en-us/credit-cards/credit-intel/what-is-debt-settlement/ which states, " Create a realistic repayment or settlement proposal. Create a budget to determine how much you can pay. Although debts are typically settled as a percentage of the total balance owed, it can help to have a good idea of a concrete dollar amount. '' " Present your proposal to your creditor and negotiate. Negotiation will likely require persistence and persuasion. It might even take more than one call. Experts recommend having a clear, concise narrative when explaining your financial hardship '' I estimated the overage in interest charges to be approximately {$2500.00} since XX/XX/XXXX. Given my current balance is approximately {$3500.00}, I requested to settle my debt today with American Express at a reduced amount. I was told that American Express will not consider a settlement while my account remains active in good standing, and, moreover, closing my account while in good standing with an outstanding balance is also insufficient for them to consider a settlement offer. American Express is forcing me to consider delinquency and default, which will damage my credit, before it will even consider settlement on the outstanding debt, the majority of which is due to egregiously high interest charges.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (CA)

On XX/XX/23 I received an alert from XXXX that I opened an account with Affirm Inc . I called the institution ( XXXX ) XXXX, per customer service, there is an opened account under my name and my SS # but with different e- mail address and phone number. Affirm can not provide me the e- mail address & phone number on file due security purposes and also told me they can not close the account and advised to get report from credit bureau . Please advise. Thank you.