davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (WA)

Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XXXX 2017 and I was not notified personally that my information was at risk. Instead I had to find out in reports in XXXX 2017 that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the 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 nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX # XXXX Please Delete from my consumer report
Consumer complaint received 2015-10-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CT)

University XXXX, XXXX CTI have a private loan with American Education Services. 
There is a discrepancy with the interest I was charged and my outstanding balance. 
I will upload any documentation necessary for an assessment of this situation. 
Thanks
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
1. XXXX, XXXX  2. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (MO)

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 bankruptcy, XXXX  XXXX discharge.. XXXX Account XXXX XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # XXXX. Account 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 XXXX 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 2016-03-21
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

My ex-wife received a credit card from American Express that was previously removed from my account. My ex-wife used the card thinking it was her card from her own account. The debt went on my account. American Express started removing the expenditures from my account but then stopped and started charging me. My ex-wife has stated to American Express that she will pay the charges. American Express has not collected from my ex-wife and is trying to collect from me even though they are not my charges and American Express has all the information needed to contact my ex-wife.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XX/XX/XXXX
Consumer complaint received 2022-11-02
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. (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 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 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 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2017-07-18
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. (AL)

I pulled my Credit Report and found several things that were incorrect. I tried to solve these problems with the  collectors  to inform them this is not my debt. I have no knowledge of this debt. Please help me to solve this issue. The  collectors  are only interested in getting money and not actually getting down to helping individuals such as myself.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name XXXX 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 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (FL)

I have asked for a copy of a signed contract between myself and LVNV funding to prove I owe them money and they have not provided any proof or any paperwork that I have entered into an agreement with then. 

They continue to report the account to the credit bureaus XXXX  and XXXX  as verified and accurate.
Consumer complaint received 2023-05-12
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. (AL)

When I reinvestigated my new updated credit report, I realized that the same account was erroneous. The 3 credit bureaus are required to revalidate 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 account below : XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2023-05-12
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)

My name is XXXX 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 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AL)

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record.
Consumer complaint received 2022-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

Hello, on XX/XX/2022 I paid {$87.00} which is the total balance that appears on my XXXX  account and I would like Weltman, Weinberg and Reis Co. LPA to provide an updated balance on my loan # XXXX. 

I want access restored to my account with Weltman, Weinberg and Reis Co. LPA my account # XXXX. I attempt to login with my account number and social security number but I get an error message therefore I can not see my payment history or current balance.
Consumer complaint received 2024-08-30
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. (PA)

Hello, my name is XXXX XXXX XXXX. I have reviewed my credit report and have noticed a few inaccurate addresses and accounts that were not authorized by me. I had lost my wallet and I'm urgently requesting to have the following accounts and addresses removed from report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and my financials. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX reported the credit agencies that I settled my account for a lesser amount owed. This authorization must be accompanied with a verbal approval or a signed Settlement Authorization Form. I did not approve either. I did not authiorize a third party to act on my behalf. Because my account was fradulently settled for a lesser amount, my credit score was tremendously affected negitivley. I have requested that XXXX XXXX provides me with the signed Settlement Authorization Form ; which they have failed to produce. Due to a third party acting on my behalf without my approval, this action by law is identity theft. XXXX XXXX XXXX also reported to the credit agencies, that the XXXXXXXX XXXX  payment was late ; which is false. It is also being reported that the accout was paid in full on XX/XX/2022. One has to be false ; which results in the removal of the account by law.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MA)

This is a duplicate account and I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. This is reporting {$0.00} balance on 1 collection and reporting a balance on another 1 collection account. This is a violation of my right under FCRA.
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX    XXXX  . I am not responsible for this debt with Portfolio Recovery.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 

-- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 


-- I am entitled to Fair Credit Reporting. 

-- I have given them authorized permission to report my address on my consumer credit report. 

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 


-- Letters have been sent with this address by certified mail and return receipts have been received by me. 


-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (TX)

I sent certified letters on XX/XX/XXXX asking for debt validations of these debts on my credit report, from XXXX, XXXX, and XXXX. They are not mine and I also asked for it to be removed from my credit report from all 3 credit bureaus. The collection company is saying the debit is valid. I have never gave permission to IXXXXC XXXX for anything, or anything associated with any other company that sold my information, nor signed my signature or used my identification. The report is showing two debts one open on XX/XX/XXXX of {$540.00} and XX/XX/XXXX XXXX XXXX I have an employment status of a daycare in the XXXX XXXX area that I've never worked at nor lived near which is also inaccurate. I stated in my letter that I would like for all validation proof of identification and signatures of original applications and no proof was sent, nor did I receive anything from the original companies. This daycare job is fraudulent and yet that has not been removed either.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (GA)

Google , IncXXXX is making unauthorized withdrawals to my bank account. I subscribed to Google Inc. in XX/XX/XXXX to rent storage space ( Google One basic plan for XXXX monthly ) for my gmail account. I provided authorization to Google to debit my bank account Once a XXXX for an amount of XXXX. The last time Google Inc. debited my account was on XX/XX/XXXX and they successfully debited XXXX from my account, however, in bad faith or due to a technical error on Google 's behalf, Google continued to debit my account on the same day ( XX/XX/XXXX ) even after successfully debiting the authorized amount on that day previously. Google incessantly and persistently debited my account for XXXX repeatedly numerous times before they were authorized to do so.These incessant debits resulted in overdraft fees for my bank. I have attached proof of the incessant debits that Google has repeated to my account, the last successful debit from Google on XX/XX/XXXX, the Basic plan Google subscription for XXXX per month, and the pay method Google used to debit my account. I want to dispute these transactions Google has made to my account and be refunded the overdraft fees, fees from any additional unauthorized debits, and 3 months of free storage by Google due to the negative impact their unauthorized debits have had on my bank account.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting acct XXXX XXXX has violated my rights. 

15 U.S.C 1681SECTION 602 A States that 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 permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.