davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2023-10-01
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. (FL)

I am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : 1. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX  XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXXXXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX  Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children. 

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of racial equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/23, I received a {$5000.00} check in the mail from American Express for a credit balance refund that I requested on XX/XX/23. Ref. XXXX. Account ending in XXXX. I chatted with customer service to confirm that the check was valid before I deposited it into my checking account. My Amex account showed multiple, repeated transactions of crediting and debiting that amount ( {$5000.00} ). I didn't receive ANY communication from Amex regarding that check. A copy of this conversation is attached for your review. As you can see, the representative confirmed that the check was indeed valid. I deposited the check into my account the same day. On XX/XX/23, the check bounced. 

Please explain to me what happened here? I should've been informed that the check was cancelled. You send realtime digital communications all the time via secured message. I was proactive about verifying the check validity with your reckless customer service representative. I've been trying to get a credit balance refund for more than 60 days now without success or explanation.
Consumer complaint received 2023-10-01
Product: Credit reporting 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 was asked to officially report this account to the government first for it to be removed. I have now completed this and will attach the completed form due to the identity theft. 

XXXX XXXXXXXX XXXX sold to XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2020-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

After several loans I've payed off, since last loan of {$1000.00}, I was wrongfully evicted, Relocated 5 hours north in rural XXXX  tx!!! No way to make payment over phone due to lack off their call center personnel don't understand English!!!! Contact number I have in my cell rings in XXXX!!!!! After several attempts over phone and giving routing and checking info to do a draft? No body can answer my questions!!, Can't speak to English speaking personal to discuss possible options? And when payments that were made. I don't speak XXXX and didn't get this loan in XXXX, was in XXXX Texas!!!! And, I'm a XXXX XXXX  veteran who pays his bills, haven't I been through enough? if any investigation into this, my cell phone records will show when my problems started with Oportun, and issues didn't start with these XXXX until XX/XX/2019, when I moved into my new home!!!!! Thank you XXXX!! I've repeatedly tried to pay using my visa debit cards, they don't work with XXXX XXXX XXXX!!! Not my problem! Been with XXXX  over 10 years so. Do some Phone forensics you will see I've tried. I question the amount they say I owe! and I am questioning the employees they hire to answer there phones! in a outsourced sweat shop of a building abroad in the XXXX or XXXX, I know I pay my bills!!! I want this matter addressed or resolved, or wiped out!!! I can't get in touch with anyone who works for them in the United States ever!??? International Phone centers answering calls somewhere!!!
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Inaccuracies on my report such as inquiries The only inquires that I should have is XXXX XX/XX/2023 anything else is wrong and I did not authorize.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to request the removal of certain personal information from my credit report. I recently reviewed my credit report and noticed that it contains some outdated or inaccurate information, specifically regarding addresses, names, and phone numbers. 

I have identified the following incorrect or outdated information on my credit report : Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type - XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX type XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Resident XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX, PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular ( XXXX ) XXXX I understand the importance of accurate credit reporting , and I am committed to ensuring the integrity of my credit file. These inaccuracies can affect my ability to access financial services, obtain credit, and make important financial decisions. Therefore, I kindly request that you remove the aforementioned incorrect or outdated information from my credit report as soon as possible. 

Enclosed with this letter are copies of documents that verify my current address and other relevant personal information. I hope that this will help expedite the process of updating my credit report. Additionally, I would appreciate it if you could send me a confirmation letter once the changes have been made. 

Please be aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and correct inaccuracies on a consumer 's credit report. I am relying on your prompt attention to this matter to ensure the accuracy of my credit history. 

Thank you for your prompt attention to this request. If you require any further information or documentation to process my request, please do not hesitate to contact me
Consumer complaint received 2024-04-03
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Reviewed most credit report from TRANSUNION and noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-12-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under on open end consumer credit plan as late for purpose.

335
Consumer complaint received 2023-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

On or about XXXX XXXX XXXX, in support of helping my granddaughter with her loan repayment I spoke with a Navient representatives to arrange a payment structure that would allow me to apply for co-signer release. At that time Navient stated that if I agreed to monthly automatic debts of {$630.00} from XXXX XXXX XXXX - XXXX XX/XX/XXXX, I could apply for co-signer release. No other conditions were revealed to me at the time this arrangement was made. With the financial help of my sister, I honored the agreement. However, when I tried to apply for co-signer release in XXXX, XXXX, Navient then stated additional terms, most notably that my granddaughter would need to pay over {$1000.00} a month for a term of time before I could be considered for release. That amount was and continues to be beyond my granddaughter 's financial capability. Nevertheless, I continued to help my granddaughter with paying on her student loans by sending money directly to her. Around XX/XX/XXXX Navient and my granddaughter hit an impasse regarding the amount of money she could pay each month. Navient then began harassing me. Most of the Navient representatives have been aggressive and hostile ; most especially XXXX XXXX ( # XXXX ) with whom I spoke on XXXX XXXX XXXX. The unrelenting, hostile nature of Navient representatives has resulted in my experiencing physical XXXX XXXX, including the inability to control my XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-10-01
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: EQUIFAX, INC. (CO)

I am writing to inform you that on XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. Despite my initial contact, I have not received any response from Equifax to date. I would like to report the following inaccurate information on my credit report and request the necessary corrections : Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} This account does not belong to me, and I request its immediate removal from my credit report.
Consumer complaint received 2023-10-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MD)

I recently checked my credit report and noticed someone opened a XXXX account in my name because Ive never had a XXXX account also some inquiries were made that I didnt authorize. I would like for enhanced recovery co to delete this immediately off my report as it is hurting my score and again I never opened a XXXX account.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 Please remove it from my credit report
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CEX.IO CORP. (MA)

Commencing on or around XX/XX/, I fell victim to multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CEX.io account to fraudulent investment firm ( s ).
Consumer complaint received 2022-12-13
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. (CA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX and 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 a account without my written instructions.
Consumer complaint received 2022-11-25
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. (GA)

XXXX XXXX XXXX changed from XXXXXXXX XXXX in XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXX of XXXX, they did not remover the payment until AFTER the due date. 

In XXXX of XXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXX of XXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX XXXX. They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXX Bank or delete this item from my file.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.