davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (MI)

In accordance with 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 XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXXXXXX XXXX Last XXXX of XXXX # XXXX 15 U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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 2022-10-25
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-08-07
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: Nelnet, Inc. (NV)

In accordance with the Fair Credit Reporting act DeptOfED/Nelnet Account 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 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As of XX/XX/2024 Experian, XXXX, and XXXX do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.
Consumer complaint received 2023-07-19
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. (GA)

My address is XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXXXXXX XXXX  XXXX Acct # XXXX is A fraud account. 
Sent in paperwork to the bureau to prove it.
Consumer complaint received 2023-01-25
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)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

In accordance with the fair credit reporting act this creditor has violated my rights. Under the federal guidelines 15 usc 1681 section 602 state I have a right to privacy. Under 15usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written consent. Under 15 usc Section 166b a creditor may not treat a payment on a credit card account, car payment account under a open end consumer credit plan for any purpose
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

HELLO I CHECKED MY REPORT AND I SEEN AN AUTHORIZED CREDIT CHECK INQUIRES THAT XXXX AVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES TO BE REMOVED WITHIN 4 DAYS AS THEY ARE FRADULENT. IM TRYING TO ESTABLISHED RELATIONSHIPS WITH BANKS BUT CONTINUE TO BE DECLINED BECAUSE OF THESE ITMES ON MY REPORT. I HAVE ATTTATCHED THE FRADULENT ITEMS TO MY LETTER AND NOTIFED THE FTC.
Consumer complaint received 2023-07-19
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. (NY)

My name is 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 2023-04-14
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-08
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: ALLY FINANCIAL INC. (MN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX Balance Owed : {$27000.00} Date Opened : XX/XX/XXXX ) and XXXX XXXX XXXX Account XXXX XXXX Balance Owed : {$660.00} Date Opened : XX/XX/XXXX ) have violated my rights under 15USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section604A Section 2, it also states a consumer reporting agency can not furnish an accounts without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXXXXXX also CAPITAL ONE XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (MS)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

I was a victim of identity theft.

A collections account was placed on my credit report by Jefferson Capital Syst.

I was alerted through a credit monitoring app and contacted XXXX to notify them this was a fraudulent account. I was told by the credit bureaus ( XXXX ) that I need to contact the local police and file a police report. I did although the local police department asked what store this identity theft took place in. I said, " I did not know? '' as I do not have that information.

The police department said that I would have to show that the transaction of this identity theft took place in a store within the jurisdiction of the Police department for me to file a report with them. 

I contacted XXXX  and told them what had happened they said since this was a fraud account and had been submitted to collections, they can not supply me with any information regarding the account.

I contacted the Local police department and told them what XXXX had told me and the police said there was nothing they could help me with if the identity theft did not take place in their jurisdiction. 

I contacted XXXX and the lady told me I would need to file a complaint here and provided me with the FTC.gov information.

I also contacted Jefferson capital system the debt collector that has been reporting on my credit. I spoke with XXXX and he transferred me to XXXX in the fraud department with Jefferson Capital. 

XXXX said according to the information Jefferson Capital has on the account the fraudulent transaction was completed on XX/XX/XXXX and the transaction number is XXXX although he did not have the address or location that the fraudulent transaction took place. This was the only information he could give me.

When speaking with XXXX I requested that Jefferson capital stop reporting this account as late/nonpayment on my credit during the dispute process of this account. XXXX said he could not do that but would note that the account was being disputed. 

Also Please Note*** The XXXX  account that Jeferson Capital is reporting has been removed from my credit report twice before as a fraudulent account. 

XXXX account was removed the first time. 
XX/XX/XXXX. The Debt collector was XXXX XXXX Report # XXXX Result **deleted from credit report** Just about XXXX XXXX later XXXX XXXX rereported the account on my credit a second time after it had been removed as identity theft. 

XXXX account was removed the second time. 
XX/XX/XXXX. The Debt collector was XXXX XXXX Report # XXXX Result **deleted from credit report** XXXX XXXX has sold the debt to Jefferson Capital and now Jefferson Capital is reporting this on my credit report as a Seriously past due account in collections and has reported XXXX missed payment on the account. this has severely damaged my credit score.

I am needing help to have this Fraudulent XXXX account removed from my credit report for a 3rd time. 

Respectfully XXXX XXXX
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XXXX, MOHELA suddenly changed my student loan from SAVE to LEVEL. I have been on REPAYE for years because I am working toward PSLF. I received a letter saying my loan had been put on LEVEL ( aka Standard ) but the letter did not give a reason. I filed a complaint and refiled for an IDR ( even though I have an approved IDR from XXXX ). I looked on studentaid.gov and what loans qualify for SAVE and mine do qualify ( Direct/consolidated/unsub ). 

I searched the internet to see if this had happened to others and there is an entire XXXX XXXX of others detailing this same problem. 
XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (OH)

NCB Management Services Incorporated Contacted me via telephone on XX/XX/24, rep was extremely rude and hung up on me after I verbally made my request stating they were not required to provide the requested information. Today XX/XX/24 I received a letter in the mail stating that the company needs more time to locate my requested information.
Consumer complaint received 2024-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION (CA)

XXXX fraudulently opened a loan for {$64000.00}. I did not sign the document and it was canceled. Now, they say I owe {$64000.00} and sent a California Preliminary Notice. We have no contract, but once I agreed to pay {$37000.00} and am willing to pay that if I have to. The general manager said my signature was not on documents. I paid to have a lawyer evaluate one of the invoices. He said it was fraud. I am complaining about the signature and the fact that they changed information on the invoice, kept the same number. I filed complaints with the FBI, FTC, XXXX, CSLB, the Attorney General, and IDTHEFT.gov. 
Now, my son signed for the California Preliminary Notice letter and I read it. It was fraudulently constructed and sent. It was dated XX/XX/2024. I dont ha meeting with my lawyer until XX/XX/2024 at XXXX. 

I just received a form from the CSLB. I need paperwork that shows the plumber in not licensed with the state and this would make the California Preliminary Notice even more fraudulent, because an unlicensed plumber can charge no more than {$500.00}.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PRANCER CAPITAL CORP (NJ)

I have a XXXX account that was open in XXXX XXXX and I was XXXX at that time I would like for it to be removed. I also have something called, XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was XXXX  at this time. I also will like to dispute PRANCER CAPITAL CORP  XXXX XXXX XXXX XXXXXXXX this account opened XXXX XXXX I was also XXXX at this time. I have something else as an hard inquiry called XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX for this too
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank started the process to close my account XX/XX/year>. My funds are not available to me and closed my account according to them for not complying with the customer manual. I made a report of an unknown charge and now they closed my account and want me to wait 30-60 business days to return my funds. This can cause me to become evicted, unable to work and repossession of my vehicle. The only amount on this account was the only money available to me and was from my work as a teacher and my IRS tax return which can be verified in my account.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (KY)

on XX/XX/24 i purchased a XXXX credit card at a XXXX XXXX store. I put {$100.00} cash on the card. when i went to use it, it kept saying there was a problem with the card. i contacted the customer service number and they told me there was a security issue. they refused to give me the address of the company or refund the money that was on the card. The people I spoke with had a heavy accent and wanted personal information from me.
Consumer complaint received 2023-01-25
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. (UT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-27
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (NC)

This company keeps harrasing me regarding a debt that was already paid for the and debited from my account. I sent in proof and responded to the letter letting them know this is not a valid debt, and the landlord was paid properly. They keep threatening to put it on my credit and I will sue them if this happens. The harassment needs to stop. Nothing is owed.