davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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)

Transunion continues to Dishonor the FCRA Section 605B I HAVE SENT TRANSUNION ALL THE DOCUMENTS AND SENT DOCUMENTS THROUGH CFPB PORTAL AND THEY CONTINUE TO FALSELY STATE THEY HAVEN'T RECEIVED THE REQUIRED DOCS BUT I HAVE PREVIOUS COMPLAINTS WITH ALL DOCS FOR PROOF OF PREVIOUS COMMUNICATION ... THE FRAUDULENT INQUIRES ARE NOT PERMISSIBLE PURPOSES FOR THERE ARE NO OPEN ACCOUNTS WITH YOU FOR IT TO BE STATED PERMISSIBLE ( XXXX XXXXXXXX ) TRANSUNION CONTINUES TO USE STALL TACTICS AND DAMAGE MY CREDIR REPORT EVERY REPORTING PERIOD ALONG WITH DEFAMATION OF MY CHARACTER. THEY CONTINUE TO VIOLATE MY RIGHTS TO PRIVACY. TRANSUNION CONTINUE TO FAIL TO SEND ME PROOF OF WRITTEN INSTRUCTIONS/AUTHORIZATION OF THIS FRAUDULENT ACCOUNT AFTER RECEIVING MY POLICE REPORT AND FTC IDENTITY THEFT REPORT. MY REQUEST IS NOT MADE IN ERROR FOR I HAVE SENT PROOF OF IDENTITY AND ADDRESS. MY REQUEST IS NOT A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST. I HAVE NOT OBTAINED ANY POSSESSION OF GOODS, SERVICES OR MONEY FR THIS TRANSACTION FOR I HAVE STATED SENT IN REQUIRED DOCUMENTS ACCORDING TO SECTION 605B OF THE FCRA POLICE REPORT, IDENTITY THEFT REPORT. TRANSUNIOM JOB AFTER RECIEVEING DOCS ACCORDING TO 605B TO THOROUGHLY INVESTIGATE AND SEND ME PROOF TO SHOW IF MY CLAIMS OF FALSE OR NOT IF NO PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO INQUIRIE MY CREDIT REPORT THEN IT MUST BE BLOCKED and deleted within 4 days of receiving documents continue to dishonor my request and the rules and regulations of FCRA and VIOLATION my rights is a {$1000.00} per VIOLATION which I hope transunion knows.
Consumer complaint received 2022-11-26
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-11
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. (CA)

XX/XX/22 emailed XXXX Opt-out third party XXXX XXXX XXXX XXXX XXXX XXXX and Experian refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2022-09-22
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. (NC)

My name is 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 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FULTON FINANCIAL CORPORATION (PA)

We paid off a home equity line with Fulton Bank on XX/XX/XXXX. They still have not reported it to the credit bureaus. I have met with a manager at a branch and she is doing everything she can. I have sent Fulton Bank a email thru thier system to please report the payoff and account is closed and I have talked to thier customer service number, who also sent the request ahead to the loan department. It is now over 30 days and my XXXX  account still does not show it paid off. I have another loan with a variable rate I am looking to change to fixed asap and a really good 0 % consolidation to apply for, but can't because the Fulton Bank loan still shows not paid with a XXXX balance. As soon as that shows paid, my credit score will significantly improve and it also will show much less debt owed where my approval amounts and assurances will be much better. I feel urgency to get this done asap where interest rates keep going up frequently.
Consumer complaint received 2022-09-22
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: Neon Newco Corporation (PA)

I opened an account with the 7-11 Netspend reloadable debit card. The initial deposit was {$20.00}. I then called the number to activate it and deposited an additional {$50.00}, which brought the balance to {$70.00}. The next day I tried using the card and was declined. After a few more unsuccessful attempts, I called the company to complain. I was told it needed to be activated first. However, it was activated and accepting deposits. Next, I was required to verify my ID by sending a copy of my license. This process would take 3-5 days to complete. I waited 1 week and still could not use the card. I called a 2nd time and was told I needed to send a copy of my social security card, in addition to my liscense, in order to use the card. At this point, it has been almost 4 weeks since I bought the card. I refused to send a copy of my ss card to a viritual stranger as it is not legal to request this information. I had verbally given my information twice so far. I argued with the rep and was told " the only way to activate the account is providing my ss card information ". I said no and demanded a refund. The balance available was approximately {$50.00} and change because they deducted maintenance fees for a card I never used. I asked for the entire amount of {$70.00} to b e refunded. I was told they would send a check, but no such check has come. That was 3 weeks ago. I still can't access my money and no refund check has come in the mail.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I paid the settlement amount, {$1800.00} ( total including {$13.00} processing fee ), to the collection account for XXXX XXXX XXXX on XX/XX/22. Experian is still showing the account balance is {$2400.00} even though it should be {$1800.00}. I disputed the error through their site which they rejected within a day of receiving. They did not conduct a thorough enough evaluation to see not only did the amount change but that it is paid and I have provided receipts as proof that it has been paid.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

You TRANSUNION are reporting inaccurate and incorrect information on my consumer report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. You and your inaccurate reporting has damaged my livelihood. I have already disputed the accuracy of my credit report with the other credit reporting agencies and deletions have been made on their end ( XXXX ) and your agency should have been notified of the deletions. According to 15USC 1681i ( a ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The information you are furnishing is inaccurate and in accordance with the law needs to be deleted off of my consumer report. 15 USC 1681i ( 5 ) ( a ) states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

YOU HAVE NOW BEEN PUT ON NOTICE. 15 USC 1681n ( a ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Further furnishing of these disputed inaccuracies will put you in violation of 15 USC 1681n ( a )
Consumer complaint received 2018-06-16
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. (NC)

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Consumer complaint received 2023-04-27
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)

XXXX ) XXXX XXXX, XXXX ) XXXX XXXX has been re-inserted to my credit report after it was previously deleted. Pursuant to FCRA 15 USC 1681i ( B ) Requirements relating to reinsertion of previously deleted material ( ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was not notified in writing nor was it authorized. This is a violation of my rights. see results attached 3 ) XXXXXXXX XXXX XXXX  was said to be verified and updated. Provide me proof with statements showing that these payments were late. If proof can't be provided I demand this late payment be updated to on time as it should be as I was NEVER LATE.
Consumer complaint received 2022-09-22
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. (MD)

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXXXXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXXXXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (TX)

Under FCRA SEC 605b u are required to remove and block information from credit report within 4 days failure to do so which u have I can file a lawsuit and Ive already supplied police report in previous disputes so Im now demanding that you remove XXXX  XXXX employees fraudulent credit card off my credit report or legal action will be taken I will reattach documents
Consumer complaint received 2023-09-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (NY)

This company seems to have knowledge of my credit history and credit score.she frequents me on social media despite deficits in communication. I have asked her to discontinue communication. She seems to have my identification as well.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX This account is in clear violation of federal law. I have no knowledge of this account. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (SC)

I started receiving calls from XXXX Franklin Financial located at XXXX XXXX XXXX, XXXX, SC XXXX on XX/XX/2022 stating that I cashed a check that was delivered to my old address at XXXX XXXX XXXX XXXX, SC XXXX. I have not lived at that address in over a year and it's even on my driver 's license and my current bills show my new address. I asked for a copy of the check and the signature did not match mine at all. When I asked what account was it deposited to, they couldn't tell me. I have now been served by the XXXX XXXX XXXX XXXX for a lawsuit against me made by Franklin Financial. I have been looking for a lawyer.
Consumer complaint received 2022-09-22
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (GA)

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX account XXXX in the State of Florida and resold. Under the laws of the State of ( State where the car was repossessed ) UCC ( Your states UCC code, you will need to look this up ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have reached out to XXXX, Equifax, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX and XXXX XXXX. Both of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail. Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX may have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizensbank has charged me {$490.00} in overdraft fees, by minipulating my account, double charges, and holding checks and deposites. I have opted out of " overdraft protection '', and take frequent screen shots of my account to document their illegal practices./