davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: Southwest Credit Systems, L.P. (PA)

To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act XXXX XXXX XXXX violations Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2023-06-05
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 reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (FL)

Please investigate and delete the following accounts as the last payments on these accounts were made more than XXXX XXXX XXXX XXXX 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 2022-10-24
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. (DE)

In accordance to the Fair Credit reporting act 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-02
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 (GA)

On XX/XX/XXXX I applied for a credit limit increase with AMEX and was not notified of a decision until I contacted them via phone on XX/XX/XXXX. I was informed by a customer service representative that according to the notes, I had been denied due to XXXX or more of my accounts or loans being in a debt relief program. I told her that was not true because I'd never participated in a debt relief program and I didn't have any loans either. She said they pulled my XXXX credit report and upon purchasing all XXXX credit reports after the call I found out that AMEX never pulled my credit to approve me for the credit limit increase. When asked how that could be I was given the run around for XXXX hours being placed on hold and transferred from supervisor to supervisor still not getting a resolution. I was also told by a supervisor that they were not credit report experts and they were not allowed to give me that info over the phone and he could not further assist me.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following companies listed on this report are reporting accounts that have been flagged as fraudulent accounts. This is a clear violation of the Federal Law. 
I have attached a copy of my identity theft report with the accounts that need to be deleted from my credit report immediately.
Consumer complaint received 2023-01-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit report from TransUnion shows I owe XXXX XXXX {$950.00} dollars from an account opened on XX/XX/2022, reported by XXXX XXXX XXXX. This information is a result of identify theft as I have never opened an account with XXXX XXXX TransUnion XXXX not properly investigate this dispute that I filed with them on XX/XX/2022. I received the results of the report today and could not contact anyone to properly inform them that this information is incorrect.
Consumer complaint received 2023-01-02
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)

Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-01-02
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. (GA)

Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX Date Opened : XXXX XXXX, XXXX Account Number N/A  Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-01-02
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. (AZ)

Ive been challenging this bankruptcy for a very long time with XXXX and Trans Union. 
XXXX removed it but trans Union and XXXX keeps showing false information I thought that all 3 credit bureaus produce the same reporting as the other one this is stoping me from living my life just because its false information on my report thats not far to me as a law, abiding American citizen
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (AE)

in regards to the open request for relief for the wells fargo credit card i have attached recent gas and electric bills that have caused my fixed XXXX income to no longer be able to maintain payments. I am the sole provider of the household and my fixed income is no longer enough. I am trying to secure work but the current debt has caused me to fail a financial background check for a security clearance. The attached bills are in the name of my wife.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

{ Please Refer to ATTACHED while reading this complaint } XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, on my Equifax Credit Report , is INACCURATE ; It contains an ERRONEOUS 30-day Late Payment. I was NEVER LATE making a payment on this Account. I CLOSED this Credit Card Account in XX/XX/XXXX, and PAID IT IN FULL in XX/XX/XXXX. The STATUS of this Account is CLOSED, CURRENT, and PAID. My Equifax Credit Report is showing a 30-day Late Payment in XX/XX/XXXX, which is SEVERAL MONTHS [ AFTER ] I CLOSED and PAID the Account. I have tried to DISPUTE this ERRONEOUS LATE PAYMENT Information with Equifax and XXXX XXXX XXXX XXXX. Most recently, I DISPUTED it on XX/XX/XXXX to Equifax. Equifax completed this dispute on XX/XX/XXXX, but is still reporting the same ERRONEOUS 30-day LATE PAYMENT Information.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-07
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. (CA)

The Following creditors are falsely reporting accounts to my credit report that were opened without my knowledge or consent. I have already filed an Identity theft report and a XXXX XXXX XXXX report. I demand these be removed immediately from my credit or I will pursue legal action since I am protected under the fair credit act section 609. The following accounts must be removed immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This account was illegally reported to my account. My lawyer reached out to this establishment to begin deliberations after they refused to fix the issue, and they reported during disputes. 

I also reported this account in 2019 for the amount of {$960.00} and it has not been removed nor accurately notated on my report as such. I have email communication with them explaining that their charges were inaccurate and also not communicated properly.
Consumer complaint received 2023-06-07
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX sales person talked me into a store credit card issued by Synchrony Bank to buy my furniture by offering XXXX year interest free. I agreed to card and purchased items on XX/XX/XXXX. On XX/XX/XXXX the items were delivered. On XX/XX/XXXX the seat chair of XXXX recliner collapsed and fell which made the recliner inoperable. I notified the store on XX/XX/XXXX and the manager did not call me back as promised. On XX/XX/XXXX I visited the store and the manager asked for pictures and said he would see if there could be an exception to the XXXX  day return policy. I was frustrated because this return policy was never mentioned and if I would have used my XXXX  I could contest the charges. I looked in the store for other recliners, but they were all wider than the XXXX inches that my living room allows. By XXXX XXXX XXXX ( store manager ) still had not offered a resolution and I called store again. On XXXX he called me back and offered a store credit. A store credit is of no use to me because I am an XXXX  lady with XXXX XXXX XXXX XXXX. I do not want to make payments on broken furniture and I believe the merchant has a XXXX  day return policy to only benefit themselves instead of the consumer. I am asking that the money to be refunded to my card immediately so that I can buy XXXX high quality chairs from a reputable merchant.
Consumer complaint received 2023-06-07
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. (TX)

This is my twelve 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 records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02
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: EQUIFAX, INC. (CO)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

I submitted my PSLF employment certification to Mohela on XX/XX/23. On XX/XX/23 I sent a message asking about my form being listed as processing instead of processed. ( In XXXX I sent the same form and it was processed in 2 weeks. ). They responded with " Please allow up to 30 calendar days for processing to be completed. I still have not received a response. 

On XX/XX/23 I sent another message asking about my pslf form as well as what I was supposed to do as repayment will start soon and I've already met my " quota '' of 120 months and being put back into repayment doesn't really make since. It is XX/XX/23 and I have not yet received a response.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (SC)

Southwest Credit is continuing to attempt to collect on a debt that is a result of identity theft. I have mailed several request because they told me they don't have a fax number but they deny receiving anything. I'm now asking you to help me resolve this matter. i have saved and will upload information for your review.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (VA)

XXXX  / XXXX Received a gift card with {$150.00} balance ; card states it must be " registered '' to use online or for mail order. Card states registration can be completed online but website provided ( see above ) is not functioning. Called number on card ( see above ) and verified the balance using the automated system. Registering the card requires calling and speaking to customer service representative. 

Customer service representative required me to repeat the 16-digit number five ( 5 ) times before acknowledging the balance / validity of the card. Customer service representative then stated I would need to send in hardcopy forms including photocopies of a government issued ID in order to register the card and use it online. When I said this requirement seemed unduly burdensome ( having to provide my personal information to use the product ) they refused any other option, refused for me to speak to a supervisor, and refused to give me their name. The customer service representative kept repeating the demand then hung up on me. 

Tried accessing the website and called the number on XX/XX/ 2023 between XXXXXXXX XXXX and XXXX XXXX EST. Internet searches suggest this is not an isolated incident. Effectively, the company appears to be artificially creating barriers to using the card.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

On XXXX XX/XX/XXXX, MOHELA recalculated my monthly Income Driven Repayment ( IDR ) on the REPAYE plan from {$520.00} to {$600.00}. There was no meaningful change in family status or income. 

I did not request this change, nor was my IDR re-certification due until XX/XX/XXXX. MOHELA did not notify me of this change and could not provide a way to restore my {$520.00} payment amount without waiting to recertify my income. 

MOHELA also continues to display a XXXX XXXX monthly payment on my credit report even though I am in repayment. This impacts my ability to obtain a mortgage.