davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Ave Student Loan Servicing, LLC (NV)

In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have done several good faith disputes asking for the validity of debts and to review my report and scores however, it continues to be a lower score than I feel that I deserve. It says that " I have too many delinquent accounts ''. I shouldn't have any delinquent accounts, I pay everything onetime and I paid my old car in full. These inconsistencies in the credit scores, dates and information is causing a poor score. I feel it is unfair because lives depend on credit and if I don't pay I encourage a poor score but if I pay everything, on time my score should report that as well as my report. I have attached the report to show my history and then I implore you to ask the bureaus why is my score still showing low 700 's?
Consumer complaint received 2022-10-20
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX ; PA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've tried to refinance my car through companies credit karma suggested me. It was pre-qualify applications, that's why i've applied. As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). After that, i got a lot of hard inquiries to my account, that's why my XXXXredit score dropped from XXXX to XXXX ( XXXX points ). I got a lot mails in my mailbox from credit unions i don't recognize. I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. That's why i think all this inquiries should be removed from my credit reports. 

This is updated complaint, because in previous one i forgot to attach the file.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (OR)

got a notification on my credit report that my score went down a lot. checking into it found out that someone has rented an apartment using my information and ran up a bill of {$5200.00}. now a collection agency Rentsolutions account # XXXX has my account. 
I have had identity theft in the past and have cleared it up but this one i have desputed and they will not change it or clear it for some reason. The address is XXXX XXXX XXXX XXXX XXXX la XXXX i have never rented anything in louisiana nor been there. 
i have filed a police report, sent copies of my address plus copy of bills with my adress, copy of my drivers license and a police report number XXXX to XXXX who sent to rentrecoverysolutions to dispute they said nothing changed and it was my bill police report at XXXX oregon police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

On to XXXX XXXX  I told Experian I just called you guys to go over my credit history because a lot of it has already been paid off the most of the charge cards it's not supposed to be on my credit history is supposed to already be removed. i'm contacting the FTC if you do not remove the majority of my bills that were already paid off in XXXX  and XXXX.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

So I sent a letter of on XXXX remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-10-20
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. (SC)

I appreciate your time to removed some of the information in my file that resulted from alleged identity theft but I have an Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$540.00}
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (MD)

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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

This account is inaccurate and incomplete and still appears on my credit report. 

Inaccurate Date of Last Active, while the Date of Last Payment is missing on the report. if this is a charge-off account then why there is a balance reported on this account? 

I have previously filed numerous disputes against this account, yet it still indicates that the account is not disputed.
Consumer complaint received 2022-10-20
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. (SC)

I appreciate your time to removed some of the information in my file that resulted from alleged identity theft but I have an Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$4900.00XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$540.00}
Consumer complaint received 2022-10-20
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. (SC)

I appreciate your time to removed some of the information in my file that resulted from alleged identity theft but I have an Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX Balance Owed : {$60.00} ; XXXX XXXXXXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$540.00}
Consumer complaint received 2023-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NCP Holdings, L.P. (FL)

I accepted an offer from TotalLoan on XX/XX/2023 for {$20000.00} giving my personal information as requested on the application and was denied and extension of my credit. My rights were violated ECOA/Regulation B with resulted in injury. This reduce my confidence to apply for more credit.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (TX)

Apple card system mistakenly made a payment with my old account, I have not used it for years and it was closed and the payment was rejected. As soon as I noticed it I got it fixed and paid with the correct bank account. I was charged with an interest of XXXX. I chat with an agent XX/XX/XXXX and the agent waived the interest and issue a full refund and told all are in order. An interest of XXXX was charged again. I chat with them again and the agent told me it is because I did pay the previous balance in full. The fact is XXXX, I paid every statements in full. I paid XXXX statement {$3.00} in full XX/XX/XXXX, it was late due to the payment was mistakenly charged to my old closed account by mistake of their system, I paid XXXX statement balance XXXX in full XX/XX/XXXX, XXXX day before the due date and I even paid XXXX statement balance of XXXX in full XX/XX/XXXX, it is due XX/XX/XXXX. 
XXXX, while I chat with their agent XXXX. the agent agreed that no interest should be charged. I paid the XXXX XXXX statement balance and the agent credit the interest of XXXX back to my account and confirmed to me every thing is ok. I was not told that if I do not pay the account balance of XXXX, XXXX would be accrued to the pending XXXX balance
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested a credit balance refund for the amount of {$2100.00} more than 1 month ago and I still have not received the refund despite multiple calls to Bank of America. I'm attaching my two latest statements showing the credit balance.
Consumer complaint received 2023-01-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-09
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. (GA)

I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.
Consumer complaint received 2024-03-09
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. (PA)

Collection Agency Name : Open XXXX  Agency Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncy Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Agency XXXX : XXXX, Collection Agency XXXX : XXXX XXXX In accordance with 15 USC 1692g, I XXXX XXXX XXXX, a XXXX XXXX am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX XXXX  XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX Code XXXX 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 2024-03-09
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. (TN)

I am filing this complaint in regard to EXPERIAN. I did not receive any written documents within 5 days after the reinvestigation was complete regarding the accounts that were recently in dispute. This is a violation of 15 USC 1681i ( 6 ) ( b ) ( 3 ). I want the accounts removed. The accounts in question are still inaccurate. I want these accounts removed.
Consumer complaint received 2022-10-28
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

I contacted the said company to dispute account and was sent paperwork to fill out a fraud report. On XX/XX/2015 this account was opened without my knowledge. In the amount of {$3100.00}. I didnt authorize this account. I didnt purchase anything ever from XXXX XXXX XXXX. Ive had only one phone company for 15yrs and that is with XXXX not with XXXX XXXX XXXX or XXXX.