davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (NV)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 items and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (PA)

I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the XXXX XXXX data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CO)

First off I was in the process of re-finance my home. I was taking equity to pay multiple loans off including Navient ( my student loan ). In order to close my title company needed a written pay off amount from NAVIENT. It became very difficult to obtain one. It pushed my closing date back just because of this. I had tried multiple times and so did my mortgage company. Was very frustrating and it seemed as if no one has ever paid a loan from NAVIENT in full. On top of that my balance went from XXXX to XXXX in less than 2 weeks.
Consumer complaint received 2017-10-23
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. (FL)

I HAVE CONTACTED EXPERIAN CREDIT BUREAU ABOUT THIS FRAUDULENT BANK RUPTCY COURT XXXX XXXX. THIS IS NOT MIND AND I DID NOT GIVE ANYONE CONSENT TO USE MY NAME OR INFORMATION.
Consumer complaint received 2023-01-01
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. (AL)

Experian and XXXX have violated my federally protected rights ; both companies are affecting my way of living by reporting know errors eventhoughf i have disputed or informed them of Inaccurate score reports, cautmy to deal with adverse actions when applying for family & household items. 



Experian is reporting one score but on experian its another score XXXX is saying my score is XXXX but rating & account are better than the other bureau 15 usc 1681 A4 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681s2 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 2023-07-11
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: EQUIFAX, INC. (MA)

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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I submitted a prior complaint against XXXX 's # XXXX. XXXX 's response was fraud and misrepresentation and nothing more. However, the CFPB did nothing to investigate issues I raised. It is clear from XXXX XXXX response they tried to put this back on me which was specifically designed to " cover their XXXX ''. It is clear XXXX XXXX moved my payment and tried to pull it from a closed account. Their website does not support the direction they relate about designating account and they state in their response. THE REASON FOR THIS SECOND COMPLAINT IS THAT XXXX 'S IS CHARGING " RETURNED CHECK FEE '' WHEN CHECKS ARE NOT INVOLVED IN THE TRANSACTIONS! THE PAYMENT IS TAKEN FROM MY CHECKING ACCOUNT AS AN ARCH PAYMENT, NOT AN ELECTRONIC CHECK. IT IS UNCLEAR WHAT LEGAL AUTHORITY XXXX 'S IS BASING THEIR RIGHT TO ASSESS THIS CHARGE ON THIS TYPE OF TRANSACTION. I SUSPECT THEIR ARE MANY OTHERS THAT HAVE HAD THESE RIDICULOUS CHARGES ASSESSED, BUT MAY BE IN A POSITION NOT TO KNOW THEY CAN QUESTION IT. THIS COMPLAINT IS TO DETERMINE HOW XXXX 'S IS JUSTIFYING THIS " RETURNED CHECK FEE ''.
Consumer complaint received 2022-11-16
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. (MS)

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

XXXX  accounts  XXXX  and  XXXX  have appeared on my   XXXX   credit report.   I contacted Doctors Business Bureau to complain. I was advised by CFPB to ask for the name of the doctors? who claim they were not paid. I have no evidence of this debt. I have had no bills regarding this debt and Doctor 's  Business Bureau have  refused to give me information. I talked to a  XXXX   XXXX  today who hung up on me before trying to transfer me to the voicemail of her supervisor  XXXX   XXXX .     This debt should not be reported to  XXXX  if I do n't know anything about it.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX XXXX XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX  - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

On XX/XX/XXXX, as I do every week, I checked my credit report. I noticed I had a collection, which I have not had any collections in awhile. I lost everything a few years back and was able to get my credit out of the gutter. So I look on the XXXX and there is some charge on an account that was opened in XXXX XXXX. I didn't open anything and I do not have XXXX. I never had XXXX. I submitted a dispute for each of the credit company 's and called the collection company and told them I had no knowledge of this debt, I did not open any accounts with XXXX. They said its from an account in XXXX. I never heard anything about this so called debt owed from XXXX. Now my credit is tanking. They told me to file a police report. On a debt they say is from XXXX? No, I think this company is trying to steal money from people. I hope that my credit companies remove this from my credit report. I asked them to verify the debt or some kind of bill and I have not received anything. But every day my credit continues to tank because of this. 

If i owed anyone any money from that long ago, WHY is it just appearing now? Its a scam!
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (IL)

Contacted Alliant on XX/XX/XXXX to dispute a {$250.00} XXXX XXXX XXXX. On the phone I was advised it was a rate reset fee applied on XX/XX/XXXX although it showed on my bill as XX/XX/XXXX. Disputed this because my rate was not reset & XX/XX/XXXX also coincided with their notice of service transfer to another entity also owned by Alliant. I had no say in that transfer and previously complained about it when XXXX notified. I followed up my call @ XXXX with XXXX with an e-mail questioning the charge. When I had not heard from them by the XXXX of XXXX, I called again. I spoke to XXXX who showed nothing on the account so he sent me an e-mail from where I should be sending the inquiry. I in turn sent a XXXX letter to that e-mail. The following week, via regular mail I received XXXX letters XXXX dated XX/XX/XXXX the other dated XX/XX/XXXX. Both letters were exactly the same content. They had received my inquiry & will make every effort to provide a response as promptly as possible, and will certainly do so within the time limit required by law. To this day XX/XX/XXXX I have not heard a response & I continue to believe the charge is unjust because Alliant initiated the transfer not me. I would hope you can get.a response in 15 days because it has been over 8 months for me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IT IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (CA)

I initially filed this dispute with Experian on XX/XX/XXXX. The complaint id is XXXX. By law and the Fair Credit Reporting Act, Experian took longer than 30 days to respond and is required to remove these fraudulent items from my credit report. I filed another dispute noting this that they closed as " duplicate ''. IT IS NOT A DUPLICATE. 

BELOW IS A LIST OF THE FRAUDULENT ITEMS ON MY CREDIT REPORT THAT YOU ARE OBLIGATED TO REMOVE. 





Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX NA INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX OF XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX - XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXXXXXX INQUIRY DATE XXXX XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX,
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

I have called consistently and opened claims because they would charge my card for things I didnt approve and would make me account overdraft for no reason and causing fees that werent valid. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX is just some instances of claims Ive made. Ive had to replace my card 2 times but every time its been charged and overdrafted by Wells Fargo.
Consumer complaint received 2023-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-01-01
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. (MI)

in accordance with the fair credit reporting act XXXX account name XXXX XXXX and # 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
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I 've never lived in XXXX XXXX so that address XXXX XXXX is incorrect. I 've stayed in XXXX all of my life. XXXX XXXX does n't serve my area, therefore, the collection is not mine
Consumer complaint received 2023-02-08
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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. (FL)

I am not associated with the address XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX or anything that has been sent there. XXXX XXXX has brought it to my knowledge that my name was associated with that address, this is incorrect. 
Also, Phone number XXXX is not associated with me, I was in XXXX using a XXXX phone while in the military. I am not sure who has accessed my personal information.