davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the XXXX XXXX XXXX XXXX! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX ATTN : XXXX, XXXX, EXPERIAN Accounts : Account name : XXXX  XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to XXXX XXXX XXXX XXXX ( a ) you have 4 days from the date of this notice ( XX/XX/XXXX ) to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-15
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. (MO)

XXXX XXXX sent a letter to me informing me of this XXXX XXXX open and Acct XX/XX/2021 for amount of XXXX which is false i did not they stated afte conducting a through investigation into this matter we concluded that someone did obtain a loan with our company using XXXX XXXX personal information 's
Consumer complaint received 2022-10-20
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. (FL)

My name 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 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (NJ)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

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 XXXXXXXX 15USC1681 section 602a States that I have the right to privacy. 
15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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.

15USC1681s2 ( 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 2024-05-22
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (AZ)

Us bank credit card is reporting a balance usage of 99 % on the card since XX/XX/year>. Card was paid in full and has had a XXXX balance since XXXX. Tried dispute through XXXX and the bank says the information is correct
Consumer complaint received 2022-09-23
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. (GA)

Transunion is reporting inaccurate personal identifiers on my report and they refuse to rectify the issue. 

Transunion is reporting inaccurate late payments on my report and they refuse to rectify the issue. XXXX XXXXXXXX XXXX # XXXX ( showing as 30 days late ) XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 120 days late XX/XX/XXXX. I demand that you delete all late payments from the account. 

XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 120 days late XX/XX/XXXX. I demand that you delete all late payments from the account. 

XXXX XXXX XXXX # XXXX - ACCOUNT STATUS OPEN This account is listed as being 60 days late XX/XX/XXXX. Please verify that this account was indeed late as you report, or I demand that you delete all late payments from the account. 

Transunion is reporting two MEDICAL COLLECTIONS on my credit report that should not be there. XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

On XXXX I received a call from Wells Fargo stating that someone in Texas tried to use my debit card info to buy {$650.00} worth of things on XXXX and they stopped it but did not stop a {$1000.00} transaction made with XXXX, they proceeded to tell me the steps to reverse the funds by going into my Wells Fargo app and going to XXXX to refund the money, " note I have never used XXXX before and did not know what it done '' they then told me to put my email address in and the amount that the people took and write refund so they knew it was a refund I did so and then immediately knew I just got scammed for real, they lady I talked to used wells fargos phone number and lingo and stole money from me, I immediately called wells fargo and they said there's nothing they can do I have exhausted all resources to get my money back. Wells Fargo has been disrespectful the entire time and won't give me any answers
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 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 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I applied for and was approved for a credit card thru Bank of America. received card and a separate letter stating fraud with the card the same day. Tried to activate card and would not let me.. Called the number on the fraud letter and they told me i have to go into a physical branch with XXXX forms of ID to activate.. I told the rep I live in XXXX  and we have no branches. The closest is nearly XXXX miles away in XXXX He basically said tough luck. I tried calling every number i could find to either activate the card or have it and the hard inquiries removed from all credit reports. it has already dropped my XXXX XXXX by XXXX XXXX for a card that i can not activate to use. One rep told me to dispute with the credit reporting agencies to remove it and they will. that was a lie. I tried and they would not remove it. Now I either need this card activated or completely removed from reports and BOA offers no help whatsoever. thanks
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-23
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: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and midland funding and XXXX i these off my credit old accounts and I have disputed over and over.
Consumer complaint received 2022-09-23
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}
Consumer complaint received 2022-09-23
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have reached out to USAA on XX/XX/2022 regarding the violations on my report. I have few late payments reporting. I sent emails to the CEO of USAA, I made phone calls, and sent letters US Certified. I would like to get this matter resolved and get those late payments from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 removed from all 3 of my reports. USAA has failed me, they don't care about their customers and failed to contact me regarding my concerns. This issue has caused me to become XXXX 

These late payments are clear violations of y consumer rights 15 U.S. Code 1681 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b.

Please DELETE these late payments from my consumer report.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kimball, Tirey & St. John LLP (GA)

I contacted Kimball Tirey & St John several times by phone last year regarding a default judgment on a civil lawsuit for XXXX XXXX XXXX. They refuse to stop reporting this judgment on my XXXX credit file. 

According to the Consumer Financial Protection Bureau, judgments ( which are a matter of public record ), no longer appear on credit reports as of XXXX. 

As part of a settlement agreement stemming from multiple class-action lawsuits, the three major United States credit bureaus XXXX XXXX XXXX, and XXXX all agreed to stop displaying judgments on their reports. 

XXXX has continuously been reporting this judgment on my credit.
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: American Credit Acceptance, LLC (MD)

I needed a car to get Transport my family, now I have it. But my bank that gave me the loan gave me an interest rate of XXXX and I feel that it is too high. The bank is American Credit Acceptance.
Consumer complaint received 2022-09-23
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. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}
Consumer complaint received 2022-09-23
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. (CO)

I have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Experian is reporting on this account. My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Experian in XX/XX/2022 and no response, I sent a follow up at the end of XX/XX/2022 and still no response and no correction to the account. The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Experian is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Experian is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The account type is listed as " unknown-credit extension or collection '' - This means is unvalidated and the company who is reporting is issuing inaccurate and incomplete information, Lastly a collection account should not report any two year history and of course experian is also reporting a history. This is at least 5 violations. Ive included the letters mailed and the credit report
Consumer complaint received 2022-12-08
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: SYNCHRONY FINANCIAL (FL)

These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

Brandsmart-Sync/BRMART Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX- Acct # XXXX Open XX/XX/XXXX XXXX XXXX : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}