davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts : The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-18
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. (FL)

I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account. XXXX ( XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Fraudulent Activity : XX/XX/XXXX UNAUTHORIZED INQUIRES XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-03-13
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-09
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

First of all, I see that the cfpb closed my original complaint ( Complaint ID XXXX ) and I don't know why. This is far from being resolved, but since that complaint was filed, this is what has happened, which is really nothing to resolve it : 1. I have received at least 30-calls from Kohl 's . The 1st 5-6 calls were from XXXX XXXXs overseas to whom I made it perfectly clear that I would only speak to and deal with someone from the U.S., an American I can actually understand what they are saying. Those overseas people refused to transfer me to the U.S. 
2. After those 5-6 calls, I and out of the approximately 30-calls received, the next 3 said they could not send me what I was asking for, which was a detail of the purchases I made, they claim I owe for, showing my returns/credits, and/or credits for merchandise I never received. 
3. The next 4-5 calls, I would answer, and hear laughing and then they would hang-up, and then the next few calls, I would answer, they hung up, I could not hear anything. I know all of these calls were from Kohl 's because the name Kohl 's is displayed on my phone screen. 
4. What kind of corrupt yoyo company is this? I have now just stopped answering their calls. I now PREFER an American, I can understand, in the U.S., not overseas, email me so that we can get this resolved. I don't like owing money, and this has gone on for several months. These people hire some REAL NICE customer service reps!
Consumer complaint received 2023-07-12
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. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.
Consumer complaint received 2023-07-13
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-08-18
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. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-18
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. (FL)

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

, XXXX XXXX XXXX XXXX, 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 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

I applied for XXXX program on XXXX and it's still pending. Mohela mailed me a bill that doesn't include XXXX, but on website doesn't show payment due. I go to message center and I can't even send a message, and their phone line does not get to a representative for hours. I need to know I don't owe any payments when student loan repayment starts up again in two days. The government needs to provide guidance on this as millions of us are being required to pay again.
Consumer complaint received 2023-07-11
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. (MN)

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA these unauthorized inquiries and accounts must be removed
Consumer complaint received 2022-12-07
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. (TX)

Ive disputed with experian, XXXX and TransUnion about 4 accounts on my credit file, Per the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX and XXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX
Consumer complaint received 2018-04-27
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: U.S. BANCORP (CT)

Talked to XXXX of card member services @ XXXX XX/XX/18 and XXXX XXXX XXXX XXXX @ XXXX XX/XX/18 regarding my credit card which they closed and regarding the increase in interest rate. XXXX stated that I should have gotten a separate letter stating my promotion ended on my credit card. I was never notified of this therefore shouldnt have to pay the increased interest rate.
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: Experian Information Solutions Inc. (GA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/22, and XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this misleading information ; XXXX XXXXXXXX
Consumer complaint received 2022-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DE)

I am currently a XXXX XXXX XXXX enrolled at XXXX XXXX XXXX. As verified by my XXXX from the XXXX school year. I transferred from XXXX XXXX in XXXX. I have continued to call and try to talk to someone as my loan is showing a payment coming due. Just because this is a XXXX XXXX, does that mean you can never find anyone to assist? I have spent hours on the phone trying to get through only to be looped into a message and the system hanging up. I find this to be an unfair practice when I am a student in college and payments coming due create a hardship since I am not working enough to pay them. Furthermore, I can not start out with late payments on my credit bureau. I need assistance. Once the interest capitalizes will this cause me more harm than if this loan was being handled correctly?
Consumer complaint received 2023-08-18
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. (FL)

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

, XXXX XXXX XXXX XXXX, 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 2022-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Hello, I am writing a complaint with MOHELA and XXXX regarding the handling of XXXX XXXX XXXX 

I have been a long time customer with MOHELA for my Federal Student Loans. I originally submitted by XXXX application last XX/XX/XXXX. I had my loans transferred to XXXX shortly thereafter in XXXX of XXXX. I received correspondence from XXXX that my XXXX XXXX XXXX XXXX for XXXX in XXXX of XXXX. I did not hear anything further regarding my XXXX XXXX until I followed up with XXXX in XX/XX/XXXX. It turns out that my application was rejected because I didn't notate that I worked " full time ''. I selected that I worked " part time '' because I always worked XXXX hours per week. I never On XX/XX/XXXX resubmitted only the first page of my application ( it was not told me that I should resend the entire packet pages XXXX & XXXX ) notating that I work " full time ''. On XX/XX/XXXX, I submitted page XXXX of my XXXX application. On XX/XX/XXXX I confirmed with a XXXX representative that the XXXX pages could be combined if they were submitted within 90 days of XXXX another. 
On XX/XX/XXXX and XX/XX/XXXX I received information from XXXX that my XXXXXXXX XXXX  was missing information. On XX/XX/XXXX I again spoke with a representative from XXXX who assured me that my application would be combined and there should be no problem. 
After speaking to multiple people at XXXX and not being able to confirm I had a complete and accurate XXXX XXXX  I chose to submit a new application on XX/XX/XXXX. I received confirmation of receipt for this application from XXXX and my loans were transferred back to MOHELA on XX/XX/XXXX. 

I have made multiple calls to MOHELA to check on the status of my XXXX XXXX  since returning back to MOHELA in XX/XX/XXXX. At times my wait times have been over XXXX hours to speak with a representative. Each time I have spoken to a representative they assure me that I have an application, but are unable to provide information regarding a time frame for possible forgiveness.
Consumer complaint received 2024-04-02
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. (CA)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-11-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts ( XXXX XXXX XXXX  ( Date Opened XXXX XXXX XXXX, Balance : {$770.00XXXX XXXX XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} THE XXXX XXXX XXXX XXXX XXXX  XXXX )XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$44000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$500.00} ), XXXX XXXX XXXX XXXX XXXX, Open Date XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX  ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$26000.00} ), XXXX XXXX XXXX XXXX  XXXX Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SANTANDER HOLDINGS USA, INC. (NY)

im a victim of fraud none of these accounts are on my concern, I am affected with my credit score, I need to fix the as soon as possible according with the law pursuant to section 605B of the fair credit reporting act, and send the required notification to all furnishers of this information.