davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my second 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 alleged fraud or extortion. 
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 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 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 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 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
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I have transferred XXXX $ ( XXXX $ incl transfer fee ) to a person selling festival tickets online using PayPal account. To avoid extended transaction time, the scammer suggested me to send it as if it was for friends & family, so he would get the amount straight away and could send the tickets in return immediately. The tickets obviously never arrived and he stopped answering the messages. In this case, PayPal does not offer any kind of help at all about claiming the money back. 
He was using this facebook profile with the name XXXX XXXX XXXX : XXXXXXXX XXXX Claiming the money with the name XXXX XXXX and email XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (MD)

I have two charge off items on my XXXX account that is reporting monthly. The first account is a XXXX XXXX Credit Card and the second item is a XXXX XXXX  Credit card. According to the FCRA USCC CODE 15 this is a illegal practice. I place a call to XXXX and they refuse to remove the items. Dispute number # XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-03-05
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. (TX)

I was looking over my credit report and found two accounts that don't belong to me XXXX XXXX for {$1600.00} date open XX/XX/year> and XXXXXXXX XXXX XXXX for {$250.00} date opened XX/XX/year> debt buyer is XXXX XXXX .according to the 15 usc 1681 law, there should not be any damages on my report is a defamation to my character.
Consumer complaint received 2023-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (IA)

I took out a predatory loan they are charging 800 % APR for a {$1000.00} loan they want me to pay back {$5000.00}. They want to take out {$290.00} out of every single one of my paychecks for 8 months. I will go bankrupt. I have kids. I cant afford this. Their dashboard doesnt allow me to view or download my loan agreement,
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

When I began repaying my student loans in   XXXX  , I was told I would need to m ake 120 paym ents on time to qualify for th e Public Service Loan Forgiveness  program. I chose to have my payments auto-deducted from my bank account to ensure I would not miss a payment deadline. In fall  XXXX , my payments suddenly increased. I called to speak with a representative regarding this increase & was informed I was on the  Graduated Repayment Plan,  which sounded fine to me. Before the phone call ended, I asked them to verify how many payments were left before I could apply for the loan forgiveness. I was informed by the representative that my payment plan did not qualify for the loan forgiveness & that the loan forgiveness was not retroactive. This was the first I had heard &  read  of this, as I also had been interested in the  XXXX   XXXX   XXXX   XXXX   XXXX . I immediately had the representative start processing the paperwork to swap my loans to a qualifying repayment program. It appears as though I will be working another 10 years as a  XXXX  to get my loans forgiven. I feel cheated & tricked by this program. I made my payments on time ... so why should I be punished for not being on a lower repayment plan?
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

In a previous complaint with CFPB ( complaint number XXXX-XXXX XXXX XXXX agreed to credit my account and remove the late reporting, well they never done it and still appearing on my credit report damaging my score for months. Because we have access to only one free annual credit report per year I only catch the problem now. 
The complaint was closed with the resolution they proposed but they never kept their word, this is causing me to pay a higher price for everything else because of a lower score and late payments marked on my credit very unfair.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have recently reviewed my credit reports from XXXX, XXXX, and Experian and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-06-18
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. (TN)

I am a victim of ID theft. I submitted the required documentation according to the FCRA section 605B. However, the credit reporting agencies failed to block the fraudulent accounts and treated my block request as if it were a dispute. It's not a dispute, it's a block request.
Consumer complaint received 2023-04-11
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. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine! 

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
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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. (NY)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

In   XXXX   I was told by Equifax that my file was being handled by a special department called consumer affairs. They told me then that it was indefinite and they had no time frame as to when it would be released. They stated that this is for my protection but it has been nothing short of a hindrance to me. I have waited 6 years and I am constantly inconvenienced by this department. They are rude and wo n't answer any questions regarding my file. I have asked to be removed and they wo n't. I ca n't even take advantage of online credit monitoring because they have my file locked. How is this legal or ethical. It 's my credit file and I have to work hard to even view it, then wait days for them to mail me a copy. How is this protecting me? Consumer Affairs is not a department that is for the consumer at all.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In violation of 15 U.S. Code 6802, it has become clear that XXXX has disclosed my nonpublic personal information to at least 3 non-affiliated parties XXXX, EQUIFAX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 82 violations of my privacy regarding my accounts with XXXX since XXXX. 

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. XXXX is willfully disclosing reports containing information solely as to transactions or experiences between XXXX and I to non-affiliated third parties. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to XXXX, EQUIFAX, and XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on a account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint of the following dates ( XX/XX/2022 and XX/XX/2022 ) I'm now request you investigate and provide verifiable proof with record showing that I had late payments. If this information can not be verified I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-07-06
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: Cascade CISS Holdings, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX my credit got pulled 5 different times without my consent. 





Credit Plus  XX/XX/XXXX XX/XX/XXXX Hard pull without consent or communication with company.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom this may concern. Capital One has restricted my account and Im unable to use my credit card. I have not received any letters, communication directly from the company as to why I am being restricted. I have made over 4 attempts to reach out to capital one to get a reason as to why my account is restricted and the company refuses to provide any valid reason as to why my account is restricted. Im reaching out to see if CFPB could be off assistance to get answers as to why my account is being restricted and me being unable to utilize my card
Consumer complaint received 2023-02-03
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. (CT)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I received a voice message in XX/XX/2020 from collection Agency, IC System. It took me about a week to follow up with them, due to Covid 19 issues, to determine who they were and contacted them via telephone. The agent indicated that said debt was from company XXXX, which an online search reveals they provided internet/cable services. I informed the agent that I have never done business with XXXX  and that I believe this is identity theft as XXXX  does not service the XXXX XXXX area. The agent asked me to contact some other telephone number, I did not, but did send them a letter asking for verifiable validation of the debt, on XX/XX/2020. The letter also stated that IC System was not to take any action, that would be detrimental to my credit report, but on XX/XX/2020, I received a notification from XXXX  Credit reporting Agency, that there had been a change to my credit report. Upon review, there was a collection entry from IC System for the amount of {$440.00}. Subsequent, and in response to my letter that I sent them dated XX/XX/2020, I received a " collection notice '' from IC System, dated XX/XX/2020????. IC System took action that resulted in detriment to my credit history and credit score and because this debt is unverifiable and not validated, IC System violated the Fair Credit Reporting Act : Section 609 ( a ) ( 1 ) ( a ). They are required through the physical verification of the signed consumer contract - for all accounts you post on a credit report. They are in violation of law! In  addition, while reviewing my accounts with XXXX  and XXXX  yesterday, they too received the same collection credit reporting from IC System. I am outraged that this collection agency can break the law, ruin your credit and have little to no repercussions. I am fighting back!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.