davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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: Nelnet, Inc. (TX)

NELNET HAS BEEN USING MY REPORT WITH OUT PERMISSON This is grounds for removal and monetary relief immediately. 
My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period.
Consumer complaint received 2023-06-20
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 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 2022-10-29
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} DESIGNED XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-28
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. (ME)

In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.
Consumer complaint received 2022-09-21
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXXXXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$7900.00}
Consumer complaint received 2022-09-21
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} US DEPARTMENT OF EDU ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-21
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. (GA)

I filled bankruptcy XXXXr XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.
Consumer complaint received 2023-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (TX)

AARGON AGENCY is reporting a collection on my credit report that I do not owe to them. I have tried to contact them via phone and ask that they provide me with information regarding this alleged debt that I supposedly owe them. Yet, I have not had any dealings with this company or signed any contract with them. I have not received ANY information from AARGON AGENCY because they will not provide it to me. I am not liable for what they claim that I supposedly owe.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

My credit report have been blank from XXXX when Experian send my credit report via mail which was XXXX and after that is have been blank.. 
Please update my credit report my credit not showing no score.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AZ)

Discover, XXXX XXXX, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, Discover has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All three credit bureaus are not reflecting my Student loan has been paid in full for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent pay in full letter to all three bureaus.
Consumer complaint received 2023-08-09
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. (NY)

I am writing to dispute incorrect information present on my credit file, specifically regarding an inaccurate addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX, XXXX, XXXX ) associated with my credit history. I have taken all appropriate steps to address this matter directly with the relevant credit reporting agencies and the furnisher of the information, yet the error persists. 

I have attached supporting documentation clearly displays my accurate address, such as a copy of my driver 's license, utility bills, and bank statements. It is crucial that this error be rectified promptly, as an incorrect address on my credit file not only affects my creditworthiness but also poses potential risks to my personal and financial information. 

I kindly request that you initiate an investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of my address through reliable sources and update my credit file accordingly. Furthermore, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of maintaining accurate credit information and appreciate your efforts to resolve this matter promptly. I am committed to ensuring the accuracy and integrity of my credit history and will provide any additional information or documentation that may be required to facilitate the investigation process.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

According to the fair credit reporting act 15 USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are consumer reporting agencies and I am the consumer. I do have a right to make sure my private information isnt shared which is backed by 15 USC 6801 It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers no public personal information.

The credit bureaus dont have my written or verbal consent to furnish this information.

All consent is revoked.

15 USC 6802 - a financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

I was never informed of my right to exercise my non disclosure option.

15 USC 1681C also states, no consumer reporting agencies 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.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the 3 credit reporting agencies are reporting inaccurate information by recording my " transactions '' and or " experiences '' according to title 15 usc 1681b and 1681 ( 2 ) ( A ) ( i ) and 15 usc 6802 I have a right to opt out. where is the disclosure on this information? because this information is reporting inaccurate I want these late payments removed immediately. thank you
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have made several attempts to receive copies of documentation alleged to have been verified by TRANSUNION. As a consumer, my right to privacy has been grossly violated by TRANSUNION. It is the duty of the TRANSUNION to report accurately and I strongly challenge the validity of the information TRANSUNION is displaying on my report. 15 USC 1681 ( a ) ( 4 ) places the responsibility on TRANSUNION to respect my rights to privacy. Not only that, it is the responsibility of TRANSUNION to report fairly 15 USC 1681 ( a ) ( 1 ). Written instructions have not been supplied to justify the reporting and continued reporting of these accounts as required by law. 

Additionally TRANSUNION stated they investigated my consumer report. According to 15 USC 1681a ( e ) an investigation should NOT include information received from a creditor but from information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom ( s ) he is acquainted or who may have knowledge concerning any such items of information. TRANSUNION failed in their duties to properly investigate as defined by the code. 

TRANSUNION is to be held civilly liable for any actual damages sustained for willful non compliance as we as pure negligence according to 15 USC 1681n and 15 1681o. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/ XXXX ( all of them ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX keeps stating there is a balance they updated the balance 5 times saying they are reporting correctly yet after the 5th complaint the State government told them they are reporting incorrect now they say they made a mistake and reported the balance by mistake 6 times now its time yo delete
Consumer complaint received 2022-12-11
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. (CA)

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I asked that the credit agency remove negative collections accounts from my credit report because they have no right or permission to collect from me. From XXXX to XXXX of 2022, I have been going back and forth with this agency. I sent the agency the following letter : I, XXXX XXXX, am requesting these items to validate the collection of this debt on my credit report : -notarized, original contract with XXXX XXXX XXXX XXXX with my signature -XXXX XXXX XXXX XXXX information : name, address, phone number -payment history, itemized billing associated with the account -proof of ownership : proof that XXXX XXXX XXXX XXXX is actually authorized to collect the debt from me You have 30 days to send information. This debt must be removed if items can not be verified. If you do not follow, you will be reported to the Bureau of Consumer Protection, will be found in violation of correctly validating this debt, and fined {$1000.00}. 

They have failed to remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a physician and am trying to setup a business seeing patients. I have tried to open a small business checking account at XXXX and keep getting refused because ChexSystems is reporting my credit history as frozen. Today I went to a physical bank location and a banker got the same false information from ChexSystems. 

My credit history was frozen for security purposes at all XXXX credit bureaus. It has been over ten days that all credit histories are unfrozen. 

I NEVER placed a freeze with ChexSystems. I did not even know about ChexSystems until I found out they were providing banks with false information on me. 

I am suffering HUGE financial losses because I am unable to transact financial payments and collect payments from patients. This is only and ONLY due to ChexSystems preventing a law abiding citizen from conducting legal business by blocking their ability to conduct financial transactions.
Consumer complaint received 2023-04-21
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I cashed a check in my son 's name and his university to my account to pay tuition for college. The Check has been held by Capital One since XX/XX/2023. The funds are still unavailable and have not been returned to my parent 's account as requested. Also, the use of the checking accounts ( 3 ) by myself and my children is locked. My son is unable to use {$520.00} which is unrelated to the check.