davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Also, Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove it immediately in my report : XXXXXXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please remove these accounts.
Consumer complaint received 2024-02-29
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 XXXX XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX  || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2023-08-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IL)

This is in regards to Sallie Mae : Working with that private lending company, I XXXX XXXX and was in a Forgiveness program for a yearduring that year I received a job in my career field. I called the company to see if I can lower my monthly payments because 1. ) I have a mortgage to pay 2. ) I have a child on the way I need to pay for 3. ) they expect me to pay {$1400.00} a monthly for my loans. I talked with the company to see if I can get it lowered with my income to Bills/debt ratio and they told me no. Ive tried everything and they will not lower my monthly payment. Its going to make me lose a lot in life. I can not physically afford to have a child or a home due to these monthly payments.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Applied for an auto loan with Capital One Auto Finance and was approved for {$23000.00} then after reviewing bank statements they dropped it to {$12000.00} even though my bank statement showed around {$86000.00} in annual income in the form of bank deposits and electronic deposits so they must have only been calculating one method of deposit and not both. When I called to try and negotiate the deal the loan offer had expired the day prior and a new application needed to be submitted and upon submission they then declined the loan and the reason they informed me was due to an eviction, liens that do not exist on any bureau report and are completely false and i was never informed of where they got that information and was told I could dispute it via mail if I chose to.
Consumer complaint received 2023-01-10
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. (VA)

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. 

Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXXXXXX Account # 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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Credit Bureaus are requesting proof of Identity even after receiving from the CFPB and the physical dispute that was mailed in.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (KY)

I ordered face cream from advertisement on XXXX. It said there was just a small shipping fee. On my phone, thats all I saw. If there was anything else it was n't viewable on the screen. When I got the packing list, it said nothing about the reoccurring payment. It had no name, address, phone number or email address to contact the company. I never received an email from these people for a confirmation or that I would be billed anything additional. 
They billed it through XXXX place when they shipped it, another when they charged me the XXXX, then when I disputed the charge, there was another name, then when I finally got a phone number for them - they gave another name and address. That sounds like a shell game. I have the info from Discover credit card, and the packing slip, and then when I contacted Discover, THEN I got an email cancelling the reoccurring billing!
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (CA)

Transunion, XXXX and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with Student Aid Commission. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken.

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge.

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and Transunion reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX  ... .on the same day as I applied for the medical credit. So is my score XXXX XXXX or XXXX? Or should it be higher because I have very little debt.

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt.

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone created a fake id and went to several stores opening credit accounts at the register. I 've submitted police reports to all the affected credit card companies. Saks continues to send statements indicating late payments. When I contact their customer service, I 'm advised its no big deal and that their fraud team is working on it. They will not allow me to speak to anyone in the fraud department, nor can they provide an address for me to send a certified letter to.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

none of the following accounts are mines! 
I haven't applied to any of these accounts listed below on the document I have provided this is definitely fraud and needs to be removed off my credit eclectically when it's not my doing. the payment status data listed on some of these are mismatch compared to other credit reports. data set related inputting of accounts were not XXXX XXXX  compliant. 
somebody had to get my information from somewhere because these are all unauthorize inquiries the i have never even applied for this is not okay.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have requested my credit report from TransUnion several times over the past 3 months. TransUnion refuses to send me my credit report or allow access to my credit report online. I even sent a letter to XXXX XXXX with a request to remove the block from my credit report that would allow me access online. XXXX XXXX is the one who gave me the instructions on how to have this block removed and he promised to send me my credit report. This has not been done.
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

All completed documents and approved for mortgage XX/XX/XXXX ready for closing. XXXX I received notice that property was not available due to fraud. I received notification from lender on XX/XX/XXXX that my application was denied due to my credit history.
Consumer complaint received 2024-02-29
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. (NC)

I recently disputed inaccurate information that I noticed on my credit reports with the creditors and the credit bureaus. I sent documents showing I was involved in a data breach however they did nothing to remove this erroneous information. I asked for verification of these accounts and did not receive any further clarification.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion today on XX/XX/2023, around XXXX XXXX Pacific time zone. I dialed ( XXXX ) XXXX. I was transferred to the XXXX call-center and a male agent identified as XXXX. I told XXXX I remember him from the last time I spoke with him. I reminded him he purposely disconnected the phone call on me because I wanted to file a complaint about dispute agents deliberately disconnecting the phone call on me. I told him I filed a complaint with the CFPB, FTC and my Attorney General. XXXX then responded by stating : because of the way youre talking, I have to end the call. XXXX hung up on me again. Why did he hang up on me? I never used any profanity. I never made any threats. I have a right as a consumer to complain about dispute agents acting unprofessionally. How many more times is XXXX going to keep hanging up on me and deny me my federal and state right to file a dispute regarding inaccurate information on my TransUnion file? Do I need to file a lawsuit?
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (TN)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX, XXXX, and Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, and Equifax written permission to furnish these accounts. 











XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Location XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX LA XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX XXXX XXXX ) Requested by : XXXX XXXX XXXX XXXX XXXX Inquiries in the Last 3 Months : Requested on : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Requested On Phone XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX ) XXXX ) Requested by : XXXX XXXX Checking Account Closures in the Last Month : Requested on : XX/XX/XXXX, XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested XXXX XX/XX/XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, OH XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TN XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX - XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX 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,
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

Before I left XXXX XXXX and moved to XXXX  I broke a Lease which I paid off when i dropped off the keys The Original Apartment Complex was Bought out and I was Sent to Collections saying i owed a Balance, Which I do not I disputed Several times and can't get it resolved or Proof of Debit closed out
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which Capital One charged off {$3900.00} on XX/XX/XXXX and sold to a 3rd party collection agency I am requesting validation made pursuant to the Fair Debt Collection Practices Act that this company is representing that I owe money to them and threatening legal action is a violation of the Fair Debt Collection Practices Act. This contract was CANCELLED when they charged off my account on XX/XX/2017 and sold to a third party collection agency. You must request that all credit reporting agencies delete the entry. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2024-02-29
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. (TX)

I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/2024, I submitted disputes to XXXX, XXXX, and Experian regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law. 

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion.

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected.

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-29
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. (FL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.