davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (WA)

Reopening case # XXXX because attempted at least once a day for the past 3 weeks, but was unable to contact XXXX XXXX at XXXX. It keeps promoting me the message of " You have reached a non-working number at Navy Federal Credit Union ''. Called the number on the back of the card but was unable to locate the person XXXX XXXX in any way, shape, or form.
Consumer complaint received 2022-09-06
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-05-31
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. (TX)

In accordance with the fair credit reporting act credit ( puts collection account & accounts ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX has been paid to a XXXX  balance and I have informed the credit bureaus of this with proof. They have it listed as a charge off and not a paid/charge off with a XXXX  balance. They will not allow me to dispute this matter again and also would not produce reason for not putting this as a XXXX  balance and paid
Consumer complaint received 2023-05-31
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. (LA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Delete the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (MN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX 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. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX PA XXXX XXXX XXXX MN XXXX ; XXXX  XXXX XXXX  XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX : {$2700.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX  XXXX  : XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  : {$2400.00}.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX  account XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (KY)

XX/XX/ Kikoff said I opened an account which is not true I was incarcerated at the time the account is XXXX there number is XXXX I call and can never get in touch with them. This is reporting on my XXXX report and I would like this account removed off my report it says I have late payments 90 and 120 days which is not true because it is impossible for me to even open the account in the first place. This is really having a negative impact on my credit report and I would like this resolved!
Consumer complaint received 2023-06-03
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX
Consumer complaint received 2022-09-06
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. (TX)

XXXX XXXX I sent EXPERIAN a certified letter explaing that the company has broken the law and is in direct violation of 15USC 1681b ( a ) ( 2 ) which states " a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer ''. I XXXX XXXX, the consumer, never gave EXPERIAN consent. No consent from the consumer is considered IDENTITY THEFT. As a financial institution under the GLBA, EXPERIAN is not allowed to disclose non public personal informationto a non affilliated 3rd party. Experian continues to ignor all written correspondence, affidavits of truth, and identity theft reports from FTC and continues to knowingly and willingly attempt to decieve me as the consumer and never investigate any disputes or remove inaccuracies.Experian has simply parroted and recyled all information since initial contact XX/XX/2021. At this time I am due remedy of {$2000.00} for the violations as a federally protected consumer under 15 USC 1681 and 15 USC 1692.
Consumer complaint received 2022-11-14
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. (PA)

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 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 2023-06-03
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. (TX)

I am expecting from you to put some margin to CORRECT some of the inaccurate accounts in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (PA)

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 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 2022-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tri-State Adjustments, Inc. (FL)

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX and was told I owed {$180.00} for medical supplies they claimed they sent a year earlier ( XX/XX/XXXX ) I rsponded right away as I thought this was some sort of scam because a bill was sent a year later. The first call I made I was put on hold and then hung up on so I called back. I was then placed on hold for XXXX minutes ( I timed it ) and when the billing represenitive came back I asked where I am calling. I was told the XXXX. I was then told they would look into problem and would contact me if any issue were to arise.Never heard back from that person. I found a number to contact XXXX XXXX and spoke with a person named XXXX and then a female named XXXX who were in XXXX XXXX. After telling XXXX I never received anything from XXXX I was advised that supplies were sent and I again advised I never received. About a week later I got a call from someone in XXXX XXXX claiming I was responsible for payment and I said I will not pay for something I do not have. After trying numerous times trying to resolve this issue I gave up. I then was threatened with a letter saying to pay or they would either have me deal with a lawyer or collections agency, I decided to file a complaint with the XXXX. The XXXX forwarded my complaint to them and they never responded back. As of today XX/XX/XXXX I now have received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ( a collection agency stating I owe this money to XXXX XXXX and again I stress I have NOTHING from them and dont understand why a year later they are contacting me for this. Any help would be greatky appreciated and thank you in advance!
Consumer complaint received 2022-09-06
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I received an Alert Notice from XXXX that Synchrony Bank closed my CareCredit  card. 

Today, XX/XX/XXXX2023, I was finally able to get through to CareCredit Customer Service. When I inquired why my account was closed, the CS Rep said, " the bank closed the card ''. Over and over and over again, I ask the CS Rep WHY my CareCredit card was closed explaining that I have had the card since XXXX, that my credit scores are in mid-800s, and that I had never missed or been late on any payments. She kept repeating that the bank closed the card. 

I then requested to speak to a Manager. XXXX XXXX then took the call and upon asking him why the card was closed, he repeated same line as the CS Rep . I then made it very clear to XXXX that I wanted an explanation for why the card was closed. XXXX then said, on a call that I recorded ( per NYS law ) that the account was closed because the card expired, which I found rather humorous since the CareCredit Card does not! expire nor is there an expiration date on the card. I then told XXXX that I wanted an explanation for why the card was closed. He further repeated what he said falsely claiming the card expired in XXXX and that that is why the card was closed. 

I then told XXXX if he did not provide an actual reason for why the card was closed, I would file a complaint with the CFPB. He repeated his claim that the card expired in XXXX and that that is why the card was closed, thus this complaint.
Consumer complaint received 2022-09-05
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Account 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 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 2023-06-03
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. (NC)

I am writing to file a formal complaint and seek your assistance in conducting an investigation regarding unauthorized hard inquiries that have been undertaken on my credit report without a permissible purpose. These inquiries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) ( 1 ), and I request your intervention to have them promptly removed from my credit report. 

Upon reviewing my credit report, I have identified several hard inquiries initiated by these companies. To the best of my knowledge, I have neither provided any consent or authorization nor have any business or financial relationship with the entities associated with these inquiries. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX FCU XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. AMERICAN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX To aid the investigation, I have attached copies of my dispute letters to the credit bureaus and a copy of the F.T.C. report. 

Thank you for your attention to this complaint. I'm looking forward to a quick solution to this issue.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX I enrolled in college and obtained few federally backed student loans to pay for my education. I XXXX in XXXX & did not have to start paying back my loans until XXXX when my XXXX XXXX grace period ends. Since then I have been enrolled in a forbearance plan due to my limited income. In XXXX I forgot to renew my forbearance and my loans went into default with US Department of Education, afterwards I rehabbed them and am currently in forbearance due to covid-19 cares act, I was assigned a new servicer XXXX. I am in the process of purchasing a home for my family & my mortgage lender can not qualify me for the loan because on Equifax it shows that my student loan with Us Department of Education & is in collections, it also shows the same balance as my rehabbed student loan with XXXX, which is hurting my purchasing power as well due to debt to income. Essentially its a inaccurate duplicate I have done some searching on XXXX and thats why this is my last attempt to fix this problem. I found that federal law mandates removal Of rehabbed student loans 34 CF 682.405 ( B ) ( 3 ). I have sent letters to Equifax and Department of Education to fix this issue & Equifax refuses to fix the issue. 

I do not know what else to do, my lease on my apartment is ending soon and I cant imagine being homeless with my family. I have attached screenshots of my credit report as well as proof from studentaid.gov.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Child support is refusing to report correct amounts paid toward the obligation. As well as reporting false information about the amount owed. Child support has been taken out of every check ive recieved for over 8 years. I ask that these be removed from my credit report with all three credit agencies in accordance with 15 U.S Code 1692 e. I want my credit score to reflect the changes made thank you for hearing my story. Below are documents from agencies i have done work for this year, but Pleas Note : this has been happening for 8 years now and a timely solution to this problem is paramount.
Consumer complaint received 2024-03-25
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. (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 Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kehoe Financial Group, LLC (CA)

Kehoe Financial Group sent me a debt collection letter for traffic violations in XXXX XXXX stating it occurred in 2019. Theres no way to contest this bogus claim. On top of that they want me to send money to the company directly. Its a scam mail.
Consumer complaint received 2023-06-03
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXXXXXX XXXX XXXX  You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.