davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (GA)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MI)

got hired by a company in XXXX that turned out to be fake thru likedin XX/XX/XXXX got a message from a hiring manger by a company nexwafe in XXXX talked with her for almost 3 hr on teams about the job she hired me and said that on Friday XX/XX/XXXX i would receive 2 checks to bring to my bank and it would be for the remote work material such as computers desk chair etc. 
received two checks from XXXX, check amount was XXXX $ total. 
XX/XX/XXXX funds were available for me to use. 
XX/XX/XXXX XXXX $ was sent to a person here in Texas to get me materials for work XX/XX/XXXX was instructed by the manger to do a wire transfer XXXX $ wire transfer was fine went thru XX/XX/XXXX after XXXX my time here i only only got an email from chase bank, no calls from them no alerts from them that the checks have bounced back and even my own money that i had in there was gone too called chase immediately. was on the phone with them for 4 hours, talked with 7 people, everyone was rude, mean to me, yelled at me and said all this is my fault. they told me to go into a local branch next day. 
XX/XX/XXXX went to a local branch, manger there could not help me at all and said that these things happen all the time to people
Consumer complaint received 2023-02-07
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. (IN)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2024-03-27
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. (TN)

Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/GSLXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
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. (OK)

In accordance with the Fair Credit Reporting Act 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 602 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-01
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong accoun t ( s ) . Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX   who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is a complaint that has already been taken care of. 

My husband and I both recently put a hold on our credit freeze so that we could get a new credit card. He called TransUnion on the phone to do this. He never once authorized a new service or gave them our current credit card information. YET, we just discovered ( while reviewing our current credit card charges ) that they charged our current card {$24.00}. Again, we never even gave them our card number. 

We were able to call them back, and after 45 minutes on hold, he was instructed to call a different number. After another long hold, a representative did finally cancel the charges ( although I haven't yet seen that materialize on our current card ), after stating that this {$24.00} was for credit monitoring. Again, he NEVER authorized any such services by them. 

When searching the internet, it seems like this is a common complaint coming up. I really think that government oversight should look into this, as they are charging unsuspecting customers who might have never even given them a credit card number. Did they use our information from our credit report? If we hadn't been vigilant in going over our charges, then they would have gotten away with this. 

Link to a website with numerous similar complaints : XXXX XXXX XXXX  Please look into this. 
Best, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

on XX/XX/year> I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (NC)

In acordance with Fair credit Reporting Act ; these accounts has violateAd my federal protected comsumer rights to privacy and confidentiality under 15 USC 1681. accounts 1. XXXXXXXX XXXX XXXX XXXX , 2.XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX  4. XXXX Rights violated :15 USC 1681section 602 right to privacy 15USC 1681 sec 604 sec states a cusmer reporting agency can not furnish a account without my written instructions.15USC 1861 ( c, a,5 ) no CRA may make any consumer report contain any information adverse other than record of conviction. 15 USC1681 s-2 a,1 a person shall not furnish any CRA if person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-27
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX   XXXX   XXXX   has merged w ith Huntington National Bank, all of my accounts were to be transferred to Huntington   Bank, after waiting patiently for my new credit card to be sent from Huntington Bank over six weeks later I have not recieved the card. I called Huntington to find out what happened and I was told the account had been closed per my request. I informed them that I had not made any   requet to close my account, and that I had no prior communication with them or   XXXX   XXXX   XXXX   at all about closing an account. I was told that nothing could be done at this point. I ask them to tell me when was request submitted, and how was it done because it was not me.  Huntington responded by telli ng me they were not allowed to give me that information even though they claim it was me who made the request, they could not provide proof or any information to support that statment because they know it is not true.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (FL)

THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

There are TWO problems on my daughter 's FASFA account managed by MOHELA ( www.mohela.com ). ( 1 ) Payment {$1700.00} toward unsub. loan was NOT shown and the interest is adding up continuously although the payment went through her bank account ( attachment shown XX/XX/XXXX payment ). ( 2 ) should NOT have XXXX sub. loan that cancelled as of XXXX XXXX XXXX. I am very nervous about the significant discrepancy.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I used the GI bill for college funding. It was claimed that I was overpaid {$1600.00} and the account went into collections. I disputed the debt with XXXX, XXXX, Experian, and the VA. I paid the debt to the VA not as admission or ownership of the debt but to salvage my credit. The result of the dispute was that the reporting would stay. I do not dispute the event, rather the legality of reporting a non-consumer finance debt in which there were no provisions, terms, or rates agreed to. 

The 2015 CRA settlement language reads " Do Not Report debt that did not arise from a contract or agreement to pay '' This was not a consumer finance transaction and therefore should not be reported to CRA 's as a loan or anything else. There is no document in which I signed or consented to this debt. There is no explanation or verification of the debt.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Regarding account : XXXX XXXX XXXX XXXX XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.