davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety, and I kindly request that you address it promptly.
Consumer complaint received 2023-06-21
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. (TX)

Please Im trying to dispute this because Ive already contacted the collection agency on XX/XX/ at XXXX and I called them again on XX/XX/ at XXXX and they told me theyre still working on it, so I called again on XX/XX/ so they put me on hold for two hours and what they told me was they telling me they cant do it because it being verify.
Consumer complaint received 2023-01-09
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party 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 2023-01-10
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2019-12-08
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: ID Analytics, Inc. (OH)

I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I completed a legal name change. My name was XXXX XXXX XXXX. My name has been updated to XXXX XXXX XXXX XXXX I have a court order signed by a judge, my license, social security card and birthday has been updated. 

They requested that I mail a copy of my social security card, that does not seem secure or safe.
Consumer complaint received 2023-06-06
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)

There are XXXX erroronus, dismissed XXXX XXXX bankruptcies being reported on my XXXX, XXXX and TransUnion credit files. The bankruptcies were filed on XX/XX/21 ( filing # XXXX ) and XX/XX/21 ( filing # XXXX ). I have disputed these bankruptcies with XXXX, XXXX and TransUnion multiple times and they have responded " verifying '' the bankruptcies through the bankruptcy court and also through the third-party vendor, XXXX. Since, I have reached out directly to the bankruptcy court and they responded with a letter stating that the BANKRUPTCY COURT DOES NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. Please review the attached letter from the court. Then how could they have verified the bankruptcy through the court? The letter sent by the credit bureaus also states that they receive public records information through the third-party vendor, XXXX. So I disputed the bankruptcies with XXXX and they responded by removing both bankruptcies from my XXXX file. Please see the attached Letter from XXXX and also a copy of my new XXXX Report. These bankruptcy have severely damaged my credit with my credit score dropping over 200 points and also having ALL of my credit cards terminated. This has been a nightmare!! The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Be advised attached is documents proving that the address associated with the account listed on my credit report, from XXXX XXXX is not accurate. It was reported to all 3 credit bureaus as a fraudulent and unauthorized account by the consumer. The address that I resided at in XXXX and XXXX was a different address that was also listed on 2 credit bureaus report except Experian. My address was not updated until years later when I moved. A unknown individual obtained my information, where my information was found in the dark web, in several data breaches and etc. information that was compromised was my social security number, family members addresses, employer information and also at that time my drivers license was also stolen and then a new one was issued again. My date of birth, email address and other banking info as well. An account from XXXX XXXX was opened in my name and there were no physical authorized signatures by me, nor any documents received. Also my email information was compromised and used by a unknown source. An identity theft report was created after observing and also security alerts were placed on my credit report with all 3 credit bureaus. Please see attached documents that show the address that I was living at and also that was reported to bureaus. Date of address that I resided at was reported was on XXXX XX/XX/XXXX. This XXXX XXXX account was reported open on XXXX/XXXX/XXXX. Also my Experian credit report had a freeze on it at the time. I was not contacted by XXXX XXXX in reference to this. Its possible that someone used a fraudulent app that generated my number in order to obtain credit. I have been in dispute with this account and Im currently gathering all documents to represent my case for further escalation in the removal of this account as I have already sent in many documents. My current address is what is currently on file with Experian. This was not my address or where I resided at the time of this card opening.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act 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 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act 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 2023-01-10
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: Steel River Systems, LLC (LA)

Recently submitted a complaint, which was closed and needs to be reopened, XXXX. XXXX XXXX 's fraudulent solution to exposing consumer to identity theft is a subscription to a credit monitoring service that does not work. In the article attached it shows XX/XX/2023, Identity Thieves Bypassed XXXX XXXX to View Credit Reports. You have done nothing to fix the issue you create which is why I will be filling a lawsuit, if these violations are not rectified. 

As stated before, XXXX XXXX XXXX has exposed my personal information in a data breach. They have been reckless and abusive with consumer data and it's unacceptable. If they do not resolve this issue below, I will file a small claims suit in my state for a much larger amount. These debt XXXX can not continue to get away with putting consumers lives and consumer reports in danger. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. The need to settle for {$5000.00} immediately. They claim to care about data privacy and security, but they are trusting another company can't protect themselves to keep consumers from being at risk.
Consumer complaint received 2023-06-06
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. (PA)

In accordance with the Fair Credit Reporting act Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account # XXXX, Account # XXXX, Account # 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 2023-01-10
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. (FL)

On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (OH)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

I have serious concerns that Discover Bank is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding the non-receipt of merchandise from a merchant. I believe I have presented more than sufficient evidence below, as well as corrected several misstatements by Discover, to warrant and immediate crediting of my account in the amount of {$190.00}. As I have detailed above, these procedural biases in favor of the merchant do not seem fair or appropriate, and could be due to the commercial relationship it has with XXXX. At the very least, it raises conflict of interest concerns. Any fair-minded reviewer of the evidence to date must agree the transaction should not be upheld. I therefore believe Discover is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and am fearful of the eventual final outcome as well.
Consumer complaint received 2018-03-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (NY)

I have XXXX student loans, one of which is with Discover. Discover has over {$100000.00} of student loan debt under my name and i have made every single payment in full and on time. These payments started when i lived with my parents and commuted over XXXX hours to work everyday. My circumstances have changed and although Im still employed I am now living on my own and my rent along with my loans leaves me with absolutely {$0.00} left from my paycheck. No money for the transportation, groceries, or any other living expenses and utilities. My minimum payment for Discover is not only unreasonable for any recent college grad, but for my income and loyalty to them as well. Ive called countless times and talked to countless people and the only option i *might* have is to defer for three months, BUT at the end of those three months the already ridiculous minimum will increase. I have continued to lose my savings to these loans because i do not want to ruin my credit or my future and Im at a point where i do not know what else to do. I can not make the payments they want me to make.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IN)

I have a credit card by Comenity - Meijer MasterCard. When I received my XXXX payment on XX/XX/XXXX for a sum amount of {$510.00}, I noticed there were several Fraud transaction purchases on my credit card under XXXX, XXXX XXXX, and others under this # XXXX CA. Further search on my past available payment forms from XX/XX/XXXX to XX/XX/XXXX I noticed there were several Fraud transactions under # XXXX CA for the amount of {$1500.00} without my knowledge. I called Comenity - Meijer MasterCard ( phone # XXXX ) and reported the Fraud activities. Comenity - Meijer Master Card representative informed me there are several fraudulent payment purchases on my card and that they will investigate and send me a letter of the results in a month ( XXXX ). 

I received a second statement of XXXX that listed all of the Fraud activity on it ( see attached ). Since it was a month that passed and they did not respond with the letter as promised, I called them back. They then told me that I am fully responsible for all the Fraud activities without giving me any reason when I asked. The Comenity firm is responsible to protect their customers from Fraud and should inform them by mail, email, or call for any of these unusual activities on the credit card. Lastly, they should follow through with sending a letter as they said they would in XXXX.
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: Genesis Lending (DC)

I was informed by   XXXX   college that they would be able to secure a job for me after completing their program despite that fact that I had  XXXX . I informed them prior to enrolling, in   XXXX   XXXX  < that I had a   XXXX   and they informed me that would not be an issue. Since completion of the program in   XXXX   XXXX  , I have not been able to secure a job. The original loan provider was Genesis. They were closed down by the government due to misrepresentation. The loan was then transferred to   XXXX   XXXX   XXXX  . I was informed that students who attended between  XXXX  and your loan was fraudulently provided, they were to be forgiven. This has not taken place. The collections department has called repeatedly for payment. I have been paying on the loan since  XXXX . Since the government closed Genesis due to fraud,   XXXX   XXXX   XXXX   should not continue collection.