davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fraudulent activity regarding a hard inquiry on my Transunion credit report from XXXX XXXX  XXXX on XX/XX/2023. After speaking to the issuer, i was notified that no accounts have been issued, but still, there is a hard inquiry on my credit report that was not made by me.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

experian Closed Account XXXX XXXX  Total XXXX Closed Account XXXX  XXXX total XXXX Collections Account XXXX XXXX XXXX total XXXX XXXX XXXX Account XXXX XXXX  Total XXXX Collection Account XXXX XXXX  XXXX Charge off Account XXXX XXXX  total XXXX XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX XXXX total {$4500.00} Charge off Account XXXX  XXXX total XXXX Charge off Account XXXX XXXX  total XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Goal Structured Solutions, LLC (AL)

A student loan was opened in my name in XX/XX/2022 I did not open this and I been telling this company this for a year in a half and there are so many inquiries on my account from car lot places that I werent aware of.
Consumer complaint received 2023-04-22
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. (VA)

XXXX XXXXXXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND XXXX
Consumer complaint received 2023-01-18
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (TX)

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Consumer complaint received 2024-04-19
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. (DC)

PLEASE DELETE THE UNTHORIZED INQUIRIES LISTED BELOW XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2020-03-29
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: LEXISNEXIS (GA)

From XX/XX/2013 until the present date the company LexisNexis has been reporting information about me to XXXX, XXXX, XXXX, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized LexisNexis to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted LexisNexis with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent Lexis Lexis a letter opting out the sharing of my personal information because I am a XXXX XXXX   XXXX and this information might place me in danger.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mutual Management Services LLC (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  fl XXXX XX/XX/XXXX MUTUAL MANAGEMENT SRVC at XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX has been sending me collection notices in the amount of {$1600.00} and {$1900.00} for the same alleged debt, MUTUAL MANAGEMENT SRVC called me stating that i owe this debt the collection has been reported as a past due balance i do not know this company, i have never done any business with this company, this company does not have a contract with my signature Should MUTUAL MANAGEMENT claim to have a contract, then it is within my legal rights to ask for verification details : 1. The name and job title of the witness when the contract was signed 2. The date they claim to have received my signed contract Please also attach documentation to support the verification of these claims. 
Thank you for your assistance with this matter. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (VA)

When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2023-10-09
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. (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.

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 2024-04-12
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: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear CFPB, I am a Bank of America customer for about 10 years. 

XX/XX/2022 : I have received an email from XXXX stating that they have increased my credit limit ( I have not requested for this increase ). 

XX/XX/2022 : I did a chat with Bank of America representative to check about this. They provided me a case # XXXX and requested me to call XXXX to get more details about it. 

XX/XX/2022 : I reached out to their customer service number, they advised me to wait for a couple of weeks to see my increased limit on my end. 

I have never seen increased limit on my side. I went to my local branch on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now they try to say that that they don't see that email at their end, though they were able to confirm that XXXX is their authorized sender, but for some reason they are not seeing that email on their end. I am ready to forward that email to them, but they say they do not have any email id where I can forward the email. I feel there is a privacy concern on my account where I got an email from Bank of America and they are not seeing the same communication. I have created couple of complaints regarding this, but there is no satisfactory response from the bank. Complaint Numbers # XXXX, XXXX. 

Thanks and Regards XXXX XXXX XXXX
Consumer complaint received 2023-10-09
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. (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.

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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Inquiries : 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 2023-01-08
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, 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 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 2023-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MS)

I have lived at my address since XXXX and never received any notice regarding the debt that appears on my credit report from ATTXXXX XXXX for {$440.00}. I became aware of this debt while reviewing my credit report in XXXX of XXXX. I have tried disputing this debt twice. We disconnected, settled and returned all XXXX XXXX equipment in XXXX. I called ICS Systems Inc and they could not give me any information other than it was a XXXX XXXX bill. I am happy to settle this debt but I believe this to be inaccurate. The account has always been in my husbands name as well. This doesnt make sense as to why it is on my report. XXXX also had a New York address for me and I have never lived in New York. Something just does not feel right with this debt or I would have already tried to settle it. I have had several fraudulent transactions against my name so I try to be very careful. Please advise.
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

I have been consistently dealing with trying to pay down my loans with the income I currently am making. Navient has been deceptive and flat out unhelpful in the process. I've had my loans with them since XXXX  and according to my account, I am set to pay them off in XXXX. My loan amount is currently {$25000.00} but my interest amount is {$38000.00}. Navient has been the most deceptive loan company I've ever dealt with.
Consumer complaint received 2023-12-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I cancelled my Internet service with XXXX in XXXX XXXX, and my last {$80.00} bill was paid for that month. The cancellation confirmation number they gave me was XXXX, and they also texted me a return QR code- which I used to return my equipment ( for which received a delivery confirmation via UPS ). 

Nonetheless, XXXX sent me a letter dated XX/XX/XXXX, claiming that my " account was past due '' for the amount of {$140.00} ( without any breakdown or line item ). They then proceeded to forward the amount to collections agency Eastern Account System of Connecticut , Inc., who followed up with their own letter re. this amount. 

I sent them an email ( I'm preparing a certified letter by mail, as well ), disputing the debt. I did not contact XXXX directly, as they already forwarded their claim to the collections agency.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I called Experian today and I had to call 3 times because the first 2 times i was hung up on but the 3 time the man I spoke with said I have to dispute the addresses on my account over the phone even though I mailed a letter on XX/XX/XXXX to get these unauthorized addresses off my account and nobody reach out to me telling me I had to speak with anyone I called to check he said he can't remove the addresses because they are attach to my credit report even though I sent a letter and documents saying it's not, and they won't remove the other names on my account. Plus according to 15 USC 1681 Section 604 A Section 2 in the Fair Credit Reporting Act which they are violating my information is supposed to be accurate and up-to-date.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (NV)

I have tried to reach out with letters and calls to Affirm. I found that were charges on my credit that I have no knowledge of. I have tried to dispute it with them and credit bureaus. Nothing was done. I spoke with Affirm yesterday and today for over a hour. No information was given again. I asked for the lady 's silence number and a number to speak with a manger, she told me she does not have to share the information at all with me. I did even offer to pay the debt that is not mine and please to have it removed from my credit and I was told no they will look into it. Since 2022 I've been having a issue with them looking into it and nothing is getting done. They are reading off a script and do not care about the livelihood of people. To say they can not give a license number or contact information for anyone above is garbage .All they can say is everything is in review and process.There is none else to speak to. It seems just a standard billing call center. They had no details or notes for anytime a letter was sent or call was made. Its almost like a scam place. Please any help would be greatly appreciated. No one deserves this kind of treatment when there life is on hold.
Consumer complaint received 2023-10-10
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. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-09
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. (OH)

I was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.