davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Medical XXXX Balance : {$200.00} ; Medical XXXX Balance : {$170.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$100.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$600.00} ; Medical XXXX Balance : {$490.00} ; Medical XXXX Balance : {$850.00} ; Medical XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (CA)

ln accordance with the Fair Credit Reporting act. The Accounts listed below XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) AND XXXX XXXX XXXX XXXX XXXX NUMBER : XXXX ) have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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. States : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
Consumer complaint received 2023-03-04
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. (SC)

I XXXX : XXXX, XXXX have sent out cease and desist letters to XXXX along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the fair credit Reporting act XXXX XXXX # 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On XX/XX/22 I call in a dispute to Experian about XXXX XXXX XXXX XXXX XXXX .I called and asked customer service I needed verification proof..the guy tells me theres no such thing and I have to talk to the collection agency bc the original creditor don't have anything to do with the debt..so I clearly asked him how did I get verified if they don't have anything to do with it.He then said the collection agency verified it.I asked, so you let the people that's tryin to get money from me verify my information? Again I asked him was there any kind of way to get the letter..he tells me no again.I then looked up the process why he was on the phone.I then proceeded to read him FCRA Section 611 ( a ) ( 6 ) ( 7 ) stating that i have that right.He then proceeds and hangs the phone up.Couldve been a disconnect so I calls back. Another guy gives me same story..so I starts off reading him the FCRA Section 611 ( a ) ( 6 ) ( 7 ) Phone hangs up again. They telling me theres no letter to write or request so I figured I'll dispute it here and that way they'll have no choice to respond with the truth..This is not my first time asking neither.Everytime they respond back they say something but never send me the verification process..they only say I been verified.I HAVE THE RIGHT TO KNOW HOW Not only that.they are violating My RIGHTS. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.So..CFPB could you please help me understand how they are getting away with this? They keep giving the same company draft excuse with no effort at investigating.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX  XXXX i believe this company violated code 15 USC 1692c B communication act. 
this company is also reporting every month on my credit report in the month notes as collection, which is wrong. once a debt has went to collection it is closed and only supposed to be shown in notes or status.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act Convergent ; accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you
Consumer complaint received 2023-08-24
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. (GA)

Report filed with FTC for identity theft fraud report sent to reporting agencies Experian, XXXX, and XXXX dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect information.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( b ) Accuracy of Report 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. 

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2023-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I have sent debt verification requests via certified letter to Midland Credit= {$820.00} XXXX XXXX XXXX {$250.00} I have received a letter from XXXX XXXX stating that the collection would be removed from my report. It is still active after 60 days of promised removal. 

Midland Credit stated the same. It was to be removed from my credit and is still active after 65 days. 

The collection for XXXX XXXX still states in the collection process when it should read IN DISPUTE. Thank you
Consumer complaint received 2024-03-05
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. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX  ; accounts XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX XXXX violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Lincoln Educational Services Corporation (CT)

I have a student loan from Lincoln tech XXXX  XXXX XXXX {$3500.00} from spring of 2021. They use their own lender called XXXX. I started by having auto payments taken out of my account monthly. My problem is I had no receipt or statement billing statement sent to me. So I canceled the auto payment ask the company to send me monthly bills in which I can send a check in order for proof of payment. My problem here is I never get my statement of what is built what is old what Ive been paid I have to call monthly in order to get that. If I forget to call XXXX XXXX  then they called me in which I ask for a bill to be mailed to me. Then I pay by personal check. They are not sending me anything monthly but harassing me saying they are going to send to collections or to the credit bureau I would like help on what to do in the situation even though I contact the lender. Is it my Responsibility to call every month in order to receive my bill and even when I get my bill it just shows me the amount that is owed to pay no other details. When I last spoke with the XXXX Representative he has told me I am not the only person who has been having this problem he also said that there is a website I can go on to see this but does not have that information of how I can login when I called Lincoln tech today its XXXX  and XXXX told me he does not have that information does not know about that. I uploaded all bills I have received since having this loan. Is this legal for a loan company want payment yet they do not sent monthly statements on what is own and what has been paid. I have other bills where I can go on their website or get my statements every month. I would greatly appreciate someones help. Thank you!
Consumer complaint received 2023-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have sent out NUMEROUS letters to the Following Credit Bureaus. Transunion, XXXX XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

Transunion : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/2023
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-27
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. (MS)

XXXX, XXXX and Experian are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Consumer complaint received 2022-11-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

My XXXX statement had a balance of {$260.00} reflecting a {$45.00} made on XX/XX/XXXX. The minimum payment for the month according to the Comenity statement, due on the XXXX XXXX XXXX, was {$37.00}. I noticed a promotional balance for a previous purchase 's promo rate expired on the XXXX XXXX XXXX for {$110.00}. I sent $ 120 days afterward that didn't post until the XXXX XXXX  XXXX. I realized that was much later than I intended so on the XXXX XXXX XXXX I called Comenity to see what the status of the account was. I was told that only {$5.00} of my {$120.00}, my second payment in under thirty days, was applied to the plan with the outstanding {$100.00} that expired the month of XXXX and that the entire rest of it would be applied to a plan that expires in XXXX. When I asked about how this breakdown was justified when I enough to cover the minimum payment, the expired plan and then some and everybody Inspoke with just kept repeating how they work on " billing cycle dates ''. But when I asked for a breadown of how my payment would be applied I was told that information couldn't be seen by a customer service MANAGER until the XXXX XXXX  XXXX. My payment due date for XXXX is the XXXX. How is it they can immediately apply my payments in a way that maximizes what Comenity can collect in fees and interests but can't tell me how that was applied until after the due date? I feel my intelligence is insulted and my payments were maliciously applied when I've sent them on time to minimize my debt. This is an unconscionable, deceptive, unethical, and willfully punitive application of my payments.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Not a duplicate an not filed by a 3rd party. to whom this may concern I am writing to report all of the incorrect information listed on my credit report. I am a victim of identity theft. I am interested in all original creditors reviewing the files with the dates, accounts, amounts listed an remove the information imediately. this has hendered me from moving forward due to these errors. my credit report is supposed to be 100 % accurate on all 3 credit reports. that is not the case. please review the details in the files.