davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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. (OH)

XXXX XXXX XXXX acct # XXXX In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurato on my credit report The Crodit bureaus stated my account was property investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accuraso. This ground for removal thay also violated my rights under 15 U.S.C 1681 soction 602 A. Statos I havo tho righl to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agony can not furnish a account without my written instructions
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: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (TN)

I'm seeing this as a trend with Experian over the past XXXX years in dealing with them on numerous credit reporting inconsistencies and errors. They show some thing that the original creditor claims was not reported as such by them. I get a sense that Experian has significant operational issues that are causing these problems and I would not hesitate in saying it is much larger than just me. 

I received a notification from Experian on XX/XX/XXXX that an account had been marked as a Charged-Off account with a balance ( reported that creditor made this change on XX/XX/XXXX ). When I went to the Experian site, the reporting information of that account with Experian indicated the account was charged-off, with an outstanding balance. The problem is that this account had been disputed previously numerous times because of inaccurate information. This account was included in my XXXX XXXX XXXX  which was XXXX in XX/XX/XXXX after being PAID IN FULL. 

Today, XX/XX/XXXX, I contacted the original creditor and discussed this matter in detail. They indicated their information does not match what Experian shows, and they never reported the account to Experian on XX/XX/XXXX XXXX as charged-off with a balance since it was resolved through my XXXX  case by being paid in full. 

I checked with XXXX and XXXX, also, since the creditor indicated they would have reported it the same way with all XXXX  credit bureaus. Neither XXXX or XXXX show any changes to the account since XX/XX/XXXX when my XXXX  was XXXX, and the information they are maintaining is correct and accurate. 

As I indicated, I've seen this before on numerous accounts with Experian as I have been actively monitoring and disputing accounts since XXXX with them. 

Finally, also I was not able to dispute this account online because I had previously disputed it and their system locks you out from online disputes. But they make it impossible to reach anyone by calling them, to file a dispute.
Consumer complaint received 2023-05-19
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. (FL)

This account was reported back in XXXX and XXXX as a Fraud account and removed from my credit reports. XXXX placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in XXXX. You have 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. My personal information has been involved in a large amount of data breaches. 

You are in violation of the Fair Debt collections act for reporting an account that has already been reported as fraudulent.
Consumer complaint received 2023-05-12
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc. (TX)

This collection agency is reporting that I owe a debt, but I never had an obligation with this company. Please send me the forward flow agreement as I have this right as a consumer. I will also like a copy of the contract bearing my signature as well as a copy of my proof of identity. Also, this account was added to my report within the last 30 days and I was not mailed anything prior informing me of this. Please attach the letter that was mailed to me. If you can not furnish the information requested remove the following account from my credit report immediately : XXXX XXXX XXXX In XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX  Account Number : XXXX and list of Inquiries. 


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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

i have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, Equifax, and XXXX i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to XXXX and Equifax on my report its in complete violation of 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 highest balance shows different amounts account status shows paid on XXXX but show derogatory on equifax last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and thank you
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2022 I filed XXXX XXXX Bankruptcy. I wanted to keep my vehicle so it was excluded in the XXXX XXXX. I attempted to make payments during the period before the discharge but the lender would not accept payments until after the discharged. On the Transunion credit report it is reporting 120 days late. That is not correct.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TN)

I used to be a XXXX customer. When my insurance was about to expire, I reached out to other companies for quotes. A few weeks prior to the end of insurance coverage, I purchased auto insurance from XXXX XXXX. A month later, XXXX XXXX canceled my insurance. The reason for the cancellation was due to a report from Lexis Nexis ' Clue Report. They reported that a claim was filed while I was a XXXX customer. The accident that was reported involved someone I have never heard of, in a town that I have never visited, in a car I have never owned. The policy numbers did not match. Lexis Nexis has not been cooperative in resolving this issue. XXXX states that they reported the policy numbers correctly and that XXXX XXXX has made the error. XXXX XXXX wants to take 30 days to straighten out their mistake. Meanwhile, I am without auto insurance.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

i have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, XXXX, and experian i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to Experian and XXXX on my report its in complete violation of 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 highest balance shows different amounts account status shows paid on experian but show derogatory on XXXX last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and thank you
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Hello, I borrowed money to fund my college and law school education ( XXXX, XXXX ). Between XXXX and present ( XXXX XXXX ), except for about 7 months, I have worked in public service. My employers have been local government departments or 501 ( c ) ( 3 ) non-profits.

Under PSLF, I am eligible for loan forgiveness. I need 120 payments to qualify. Between XX/XX/XXXX and now, the eligible period, I have made approximately 176 payments, all on time. 

I consolidated eligible loans summer XXXX. I applied for forgiveness in XX/XX/XXXX. To date, MOHELA has acknowledged that I have XXXX qualifying payments based on the employment verification forms I submitted to MOHELA. As of XX/XX/XXXX, I am still waiting for the forms to be processed to reflect a count of greater than 120 and have my loans forgiven.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second request to delete my fraud alerts and extended fraud alerts Transunion # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
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. (FL)

n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXXXXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit report, I observed inaccurate informations that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Consumer complaint received 2023-02-14
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)

In accordance with the fair credit reporting act merchants XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.
Consumer complaint received 2022-11-04
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. (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 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 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 2022-11-04
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: 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 1681XXXX 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 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 2023-03-16
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. (SC)

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 : # XXXX, XXXX XXXX XXXX : # XXXX  XXXX XXXXXXXX : # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX # 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, # XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX, XXXXXXXX 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 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 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Revenue, Inc. (SC)

Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

XX/XX/18 - I received a notification from XXXX   regarding a new entry on my credit report asking me to verify. I had no prior notice of this, so I contacted Waypoint Resource Group, XXXX XXXX XXXX, XXXX XXXX, TX., XXXX, which is the company who reported this debt. I spoke to " XXXX '' regarding an entry on my XXXX credit report dated XX/XX/18 in the amount of {$49.00}. I asked who the original creditor was, as it was not included on the report, nor have I received any billing statement to identify the creditor. She told me it was XXXX XXXX XXXX. I asked about a payment arrangement, or a settlement amount, but she said no such arrangements could be made. I also told her that her company is reporting to the credit bureaus weekly, as " new collections '', which I believe is not allowed. She became rude, and told me that the entire debt must be paid immediately. Since I live on a low fixed income, I could have handled it better with some kind of arrangement. After this call, which did not go well, I contacted the original creditor, then found that there were actually 2 different accounts which I owed, both now being handled by Waypoint. I paid the older of the 2 in  the amount of {$55.00} on XX/XX/18, and arranged to pay the {$49.00} bill next month.