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

I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report.

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-04-07
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: Cascade CISS Holdings, LLC (IL)

INQUIRIES DATE WASNT AUTHORIZED BY ME : XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I opened an XXXX XXXX XXXX XXXX XXXX card services in early XX/XX/XXXX. I XXXX XXXX XXXX Was never late on a payment ever never went past my maximum credit limit of {$300.00} I had a fall paid as agreed on all three credit bureau/agencies for about 18 months. Now I got XXXX on XX/XX/XXXX at the time I do believe I owed XXXX right around {$70.00} is what my balance shouldve been. I disputed my XXXX account with Experian XXXX and I dont believe I disputed it with XXXX just as of yet, the reason being is I was not disputing the XXXX account saying it was fraudulent. It was my account I opened the account and early XX/XX/XXXX and like I said always paid as agreed never went even close to my {$300.00} credit limit most of the time Very low balance anyway was held without bail on XXXX XX/XX/XXXX while I was sitting at the XXXX XXXX detention center got my wallet and my tablet from out of the vehicle that the XXXX XXXX Police Department towed to their impound lot, and then auctioned off the vehicle Right around XXXX late XXXX I discovered all my accounts have been compromised. I let my case manager XXXX XXXX know and she allowed me to make as many phone calls as she could be in as busy as she was would be the only case manager for a lot of inmates, my point for this complaint is and I already contacted XXXX XXXX card service bank. I did not want my indigo account to just be disputed and took an off of my credit report all together I wanted the truth to be reported and that was for over 80 months I paid as agreed, and once I got incarcerated, I was a victim of identity, theft and unauthorized use of my credit card or my credit card and all my bank cards were used. I filed a police report online. I have it all document ties so I will be sending documents to indigo XXXX XXXX, XXXX card services And I will be sending copies to all three major credit agencies also because under the credit report and act a credit account that was rifle mine and was being paid on on time every month for over 18 months actually help my credit so I feel like them keeping the collections on my credit report hurt me and my credit score and them taken the indigo account off. My credit report hurt me even more because it wouldve showed nothing but on time payments for over 18 months right before I got detained and incarcerated and was offering me there upgraded card which I cant remember what its called in the rewards or something like that Ill submit the documents I have now, but I also will be submitting more documents via US mail to iXXXX XXXX card services, Bank, and all three credit credit agencies
Consumer complaint received 2022-10-20
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. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-20
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: Self Financial Inc. (IN)

There was a bank merger between XXXX XXXX XXXX XXXX XXXX XXXXXXXX, during the transition period, my debit bank tied to my account did not process a payment to Self Lender. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and Self Lender has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Consumer complaint received 2022-10-20
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. (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 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX : Acct # XXXX ; XXXX XXXX  : Acct # XXXX ; XXXX XXXX XXXX  : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my 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 any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IA)

I submitted my PSLF application on XX/XX/2022. I received email notification on XX/XX/2022 my PSLF application was denied. I didn't understand how because I have been employed for the XXXX  for over 14 years and I have made over 120 monthly payments. I called Mohela on XX/XX/2022 and spoke with a worker. She reviewed my PSLF application dated XX/XX/2022 and stated my application should not have been denied as I met the qualifications submitted on the application. She reopened my XX/XX/2022 PSLF application with a received date of XX/XX/2022. Now I have to wait another 90 business days before Mohela processes my PSLF application. What kind of business are they running. If the error is caused by Mohela I should not have to start over and wait another 90 days for the process of loan forgiveness. I should be able to keep my original received PSLF application date of XX/XX/2022. I do not have time in my day to wait 2-3 hours to be on hold with Mohela just to speak to someone about their error. The Mohela PSLF application process should not be difficult to verify my employment and 120 payments made by my student loan servicer. It's as if Mohela does not want people to receive student loan forgiveness authorize by the Federal Government so they prolonged the process and denied my application that meets all the qualifications for forgiveness. Please change my PSLF application date back to XX/XX/2022 so the process to loan forgiveness can be completed in a timely matter. Thank you
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is not accurately reporting my consumer information. I have provided proof of my identity and Equifax will not accurately reflect the information which is causing me to be denied for credit. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-10-20
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. (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. 
XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$230.00} XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$370.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX XXXX {$800.00} 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 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 crime 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 2023-06-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I contacted XXXX XXXX about a " charge Off '' on my credit report which falsely stated I owed them about XXXX $ from gap insurance that was never paid out. My insurance was in litigation with the insurance of the person who hit me and caused the accident that totaled the motorcycle. Then covid came and nothing ever became of the litigation. I was never notified that this company was never paid by insurance they made no effort to contact me and explain there was a debt. And when I recently called to speak to them about this debt they said it was a small amount and that they would just forgive the debt and take it off my credit report. Checking back as of today XX/XX/2023 my Experian credit report still shows I have a negative remark from this company. Showing a " charge off '' of my balance when they had promised to forgive and delete the debt. They also reported I missed a payment for the motorcycle when they accident occurred before the first payment date insurance statement prove that. I want this completely taken off my credit report. This company is one big financial scam
Consumer complaint received 2023-01-04
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. (NC)

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 XXXXXXXX - {$0.00} XXXX XXXX - {$5800.00} XXXX XXXX - {$2700.00} XXXX XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXX - {$210.00} XXXX XXXX XXXX XXXX - {$78.00} XXXX XXXX XXXX XXXX - {$1500.00} - all XXXX XXXX XXXX XXXX - {$4200.00} XXXX XXXX XXXX - {$1600.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-18
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. (MD)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, has all 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
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (IL)

My husband and I did a modification in 2020, and we were able to get our mortgage straight and we had to start making payments in XXXX 2020. everyone had been on time since in XXXX we received a letter saying that we were behind when we had made the payments. And as of today since XXXX we have trying to get our account straight I have been talking to everyone that I could and still right today nothing has changed. We are so tired of trying since XXXX to get everything updated, I have email also talking on the phone we need help because this is effecting our credit report showing that we are two months behind and that's isn't true.
Consumer complaint received 2024-03-10
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: Experian Information Solutions Inc. (NC)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of nay 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM*******
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

This debt belongs to my daughter. I did not sign anything to be held accountable for this debt. My daughter has since paid off this debt and I don't think it is fair for this collection to be on my credit file. I am not responsible for the account. 

The collection company is ProCollect in the amount of {$390.00}
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (WA)

They claim to be a law firm XXXX XXXX XXXX. Called my family in XXXX gave information that I had a claim number to called their attorney at XXXX XXXX XXXX. I live in XXXX so my family called and gave me the info. I called they said they were taking me to court or filing a judgement against me for a breach of contract on a personal loan with one financial loans in 2016. I never applied for a loan with one financial I asked for original note and they said they will send it when they serve me with paperwork in my county XXXX XXXX. They said their address is XXXX XXXX XXXX in XXXX XXXX XXXX. They also hanged up when I started to ask more questions. I did not have credit for a long time until 2 years ago. Divorced, lost job and went thru a lot for almost 15 years. No way I can get a loan in 2016 I had no credit. They say the personal loan is for 3500.00 they can check my bank never had that loan deposit to my bank and never cashed a check for that amount. I called XXXX Bar for attorneys they are not listed. Other similar complaints showing on notes web site by same XXXX firm charging people with not owed debts. Googled phone is registered by XXXX XXXX.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/2020 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.