davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Subject : Opt-Out Request under 15 U.S.C. 6802 Dear XXXX XXXX XXXX XXXX, I am writing to formally request that XXXX XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that XXXX XXXX XXXX XXXX has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that XXXX XXXX XXXX XXXX immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have Bankruptcies listed on my credit report that are not mine. I have been fighting with the bureaus for almost 8 months to remove. First they claim the coolers were verifying it and i sent proof they were not. I have sent documentation from the court stating that are not mine also documentation from XXXX XXXX whom they claim is verifying it that they also dont have this information on their reports. I Have asked several times for validation letters and information on the person verifying the incorrect information and still have not received anything. XXXX XXXX has also filled dispute and never heard back
Consumer complaint received 2023-09-13
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: World Acceptance Corporation ()

I was told that if I paid the debt off they will remove it off of my credit, I paid the debt on XX/XX/2023 and it still has not come off of my credit report yet and I was wondering why
Consumer complaint received 2023-06-16
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 (FL)

I looked at my credit report and saw the following inquires from the following companies that i did not authorize. 
XXXX XXXX XX/XX/2022 ( XXXX ) ( XXXX  XXXX XXXX Universal credit XX/XX/2022. XX/XX/2022 ( XXXX ) ( XXXX XXXX ) ( XXXX ) Xactus  XX/XX/2022 XX/XX/2022 ( XXXX ) XXXX XX/XX/2022. ( XXXX )
Consumer complaint received 2023-06-20
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. (IA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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 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 2 out of 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (OK)

I received an installment loan from check n go XXXX, Oklahoma in the amount of {$900.00} in the spring of 2021, I made payments to said loan for 3 months before dealing with a major health and relationship change. This change caused me to have to change bank accounts and living situations. I was able to relay that change to multiple other financial organizations where payments were owed however I was not able to contact check and go, I take full responsibility for this. My complaint is the fact when I call said company who now is contacting me to resolve the debt ( XXXX ) I believe they said their name was, is accusing me of lying about receiving certified mail. I stated I am not here to argue, can you please send me or email me some documentation, I will not be making a payment over the phone, at which point the agent got angry with me and then proceeded to hang up on me andi could " wait on my court documents. '' Would love to get the issue resolved.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-23
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have an closed account reporting on my credit report being reported by experience and XXXX from XXXX XXXX XXXX  that was closed XX/XX/XXXX and the date of last payment was XX/XX/XXXX however it has been constantly changing the date last active which should be my last date of payment which is extended my statue of limitations and perpetuating this incorrect information on my report am requesting method of validation the process used to validate this debt and all correspondence you have 15 days to provide this
Consumer complaint received 2023-04-24
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: SYNCHRONY FINANCIAL (ME)

I have provided XXXX XXXX and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also SYNCBXXXX, This was not mine also
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed my Dept of Ed / XXXX XXXX loan but its still reporting on all XXXX credit Bureau and they have not removed this student loan from my credit report, Personal Information : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX, XXXX : XXXX Name of company that reported the item youre disputing and the partial account number ( from your credit report ) Account Information : DEPT OF ED / XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 240 months High Balance ( Hist. ) High balance of {$66000.00} from XX/XX/XXXX to XX/XX/XXXX Reason for your dispute : Discharged in Bankruptcy Any corrections to your personal information ( address, phone number, etc. ) Name change : XXXX XXXX ( please remove XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone numbers : ( XXXX ) XXXX Website : XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number : ( XXXX ) XXXX Website : XXXX TransUnion Mailing address : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX number : ( XXXX ) XXXX Website : www.transunion.com
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (TX)

Hi I have debts on my credit report that are not mines and Im not able to get me and my kids a place to live lost my housing and everytime I file my irs taxes I have to wait on a special PIN number I contacted them they told me to reach out to you guys
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2023 : A hard credit inquiry appeared on my TransUnion report from a creditor XXXX XXXX XXXX, XXXX. The sales Distributor is XXXX XXXX. With address at XXXX XXXX XXXX, XXXX, WI XXXX. 

XX/XX/2023 : I called each credit bureau requesting to freeze my account, and file a dispute with the creditor. 

XX/XX/2023 : The creditor, XXXX XXXX XXXX sent a letter stating they received a dispute from TransUnion and asked that I provide my personal sensitive information ( SSN card, copy of drivers license, documents showing current address, pay stubs from employer ) in order to further investigate. I am NOT comfortable providing this information to a creditor I have no clue of. 

XX/XX/2023 : TransUnion notified me with this result : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

XX/XX/2023 : I called the XXXX XXXX XXXX, XXXX and requested further information regarding my fraudulent account that was established. They could not verify my account with address, phone or email. Then I provided them an account number that was given in the letter to me on XX/XX/XXXX, and the representable was able to pull up the account. I requested the following below and this is what was provided : 1. Contract : Stated they do not have and that I needed to contact the Sales Distribution ( XXXX XXXX ) at XXXX XXXX XXXX, to obtain that. 

2. Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. THIS IS NOT MY ADDRESS 3. Phone : XXXX XXXX XXXX. THIS IS NOT MY PHONE NUMBER. 

4. Email : XXXX THIS IS NOT MY EMAIL To sum this up, XXXX XXXX XXXX need to close my account and report to each credit bureau accordingly. 

TransUnion has my personal information, and during their investigation with XXXX XXXX XXXX, they did not do their job accordingly. My address, phone, and email is accurate with each credit bureau, TransUnion could have crossed reference with XXXX XXXX. 

XXXX XXXX need to consult with their Distributor, close the account that was fraudulently created under my name. Them requesting me to send personal information, so they can cross reference is out of line. I will NOT provide these documents. They have enough information to know this was fraudulently created. 

XXXX XXXX XXXX need to do a better job of verifying identity before running credit on individuals. 

The Distributor and sales organization need to be held accountable and prosecute the individual who knowingly did this. 

I will also be filing with the police department, that I am a victim of identity fraud. 

This fraudulent account does not meet my profile. I rent and have no need to apply for store credit to purchase appliances. My landlord fixes and repairs these items per my lease with him.
Consumer complaint received 2023-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Complaint No. 2 Wells Fargo Mortgage On XX/XX/2023 around XXXX Wells Fargo sent XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to put a Vacant Note on my property. 

I talked to him, and he said that he was instructed even though he knew I still live here, and he proceeded to leave a vacant noticed and took a picture of his job done. 

I feel harassed and I would like to know the meaning behind that.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
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. (CA)

Experian Is furnishing Inaccurate information ( inquries ) ( latepayments ) ( collections ) on my report without validating any debts, and me being the natural person Only I can validate any alleged debt and I do not validate any of the alleged debts on my credit report. I demand that all any any negative derogatory accounts be removed off my consumer report. I demand them to send me names, address, phone numbers, for any individuals contacted during their investigation. I ask that they provide me with my written signed ink permission to furnish any information on my report. 

without a permissible purpose by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 
2003 ) I have not initiated any transaction with ANY OF THE 28 INQUIRIES ON MY REPORT Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ANY OF THE INQUIRES for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-04-12
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. (IL)

There is information reporting to my credit that is fraudulent reporting on my Trans Union. I have set a dispute several times I have address the issues with the creditor and they told me that they were going to remove and send the information to the bureaus to update it and they have not to do so the information is not my information and its fraudulent and information should be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

RE : XXXX XXXX XXXX XXXX/SYNCB account ending in XXXX Synchrony Bank sent me a letter dated XX/XX/XXXX informing me that : " After a review of your account, Synchrony Bank has decided to close your account. 
The reason ( s ) for our decision are listed below : * Activity on account with Synchrony Bank indicative of high risk of failure to pay. 

If there is a balance on your account, it remains due, according to the terms and conditions of the account. 
If you have any questions, please call the phone number listed below. 
Sincerely, Synchrony Bank XXXX '' Synchrony never previously contacted me concerning their concern that I may be a " high risk of failure to pay ''. 
There was a confusion when I made a payment from a closed account of mine because my checking account was hacked and a large amount of money was stolen. The Credit Union set up a new account for me and that is what led to me mistakenly making a payment to Synchrony from my closed account. I followed up by posting a payment from my active checking account but Synchrony had already closed my account with them. 
Synchrony informed me that the account would remain closed and that the credit line was removed. The account balance continues to be paid timely and no payment has ever been late. In fact, after Synchrony closed my account I made a payment of $ XXXX to show them that I was NOT a risk to them. But they refused to reopen the account and said that I would have to RE-APPLY for a new account. 
In the meantime, my Synchrony Bank account is showing up on my credit as having been CLOSED BY THE CREDIT ISSUER, which is being detrimental to my otherwise great credit record. 
I am hereby requesting that Synchrony Bank OVERRIDE their computer and reopen the account as it was before they took this detrimental action against me.