davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-07-24
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: EQUIFAX, INC. (FL)

I received a packet in the mail from Equifax stating inquiries have been deleted and they have not, I have attached what was sent from them and you can see where it shows they were deleted but when I log in and check my credit profile with Equifax they are not deleted
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, I requested to close my credit card with XXXX XXXX through the secure messaging portal on my online account. I received an automated reply stating that account closures could not be handled online and that I would have to call a respresentative. I called later that evening and spoke with XXXX different employees to have my account closed. I was told that the account was closed and I shredded the physical credit card. However, on XX/XX/XXXX, I received an alert on my credit report that the card had been charged the annual fee. I was able to log in to my online account and realized that the card had never been closed as was promised to me over the phone.
Consumer complaint received 2022-12-05
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. (NV)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

Here are the accounts mentioned above : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance XXXX {$8200.00}
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to seek your assistance in resolving significant inaccuracies on my credit report, which have adversely impacted my life and financial standing. I believe that multiple creditors have violated important consumer protection laws, and I am seeking your intervention to rectify these violations. 

I have identified a series of accounts and inquiries on my credit report that appear to be in violation of the Fair Credit Reporting Act ( FCRA ). The specifics of these accounts and violations are as follows : XXXX. XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Potential FCRA Violation - Unauthorized Inquiry XXXX. **PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Violation : Potential FCRA Violation - Inaccurate Personal Information These inaccuracies have significantly affected my financial well-being. [ Share your personal story here. Detail the emotional and financial distress these inaccuracies have caused, such as being denied credit opportunities, job prospects, housing applications, or any other relevant impact on your life. ] I urge the Consumer Financial Protection Bureau to enforce the legal protections established by the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of credit reporting. I kindly request your intervention to address these violations and request that the respective creditors remove these unverified and potentially inaccurate accounts from my credit report. 

Please provide me with written confirmation of your actions and the resolutions of these disputes within the legally mandated time frame. I sincerely appreciate your attention to this matter and your commitment to protecting consumer rights. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

Discover Card XX/XX/XXXX - First Statement Date {$5200.00} Filed XXXX XXXX XX/XX/XXXX Filed Report with XXXX  Filed dispute with Discover and all XXXX Reporting agencies Requested Original Contract on several occasions to investigate myself. Debt collector only send me statements and refuse to acknowledge my identity theft claim. 
May have been due to XXXX breach in XXXX.
Consumer complaint received 2023-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (OR)

Well, this loan was discharged in a court of law, all student loans under XXXX XXXX XXXX in XX/XX/XXXX in a court of law was finalized to discharge all those student loans because of the fraud Corintheans Colleges and all the schools under XXXX XXXX had done to their students and how they targeted low income students so my loan shouldnt even be there or my classmates loans that I went to school with from XXXX and XXXX to XXXX were all discharge and dont have a balance but yet mine is still there I went to the same school for the same degree and I am still showing {$110000.00} balance and Im getting the runaround I have it removed when it shouldve been removed last year in XXXX or XX/XX/XXXX 2022
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On Tuesday XX/XX/XXXX I contacted Transunion, XXXX and XXXX to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Atty General of Tex XXXX XXXX XXXX continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on XXXX  and Equifax that are not true. My case is now clised for over 6 months and Equifax gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with zero balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.
Consumer complaint received 2023-08-15
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. (GA)

Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus XXXX, XXXX and Transunion ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge.

According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided.

In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed to are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Consumer complaint received 2023-07-22
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: EdFinancial Services (OH)

In accordance with the fair credit Reporting act. Account # 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 a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-09
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. (IL)

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-24
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-11-01
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. (CT)

I have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed immediately
Consumer complaint received 2022-11-01
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. (CT)

I have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed immediately
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern, I hope this letter finds you well. I am writing to seek your assistance in resolving significant inaccuracies on my credit report, which have adversely impacted my life and financial standing. I believe that multiple creditors have violated important consumer protection laws, and I am seeking your intervention to rectify these violations. 

I have identified a series of accounts and inquiries on my credit report that appear to be in violation of the Fair Credit Reporting Act ( FCRA ). The specifics of these accounts and violations are as follows : XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXXXXXX XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Potential FCRA Violation - Unauthorized Inquiry XXXX. **PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Violation : Potential FCRA Violation - Inaccurate Personal Information These inaccuracies have significantly affected my financial well-being. [ Share your personal story here. Detail the emotional and financial distress these inaccuracies have caused, such as being denied credit opportunities, job prospects, housing applications, or any other relevant impact on your life. ] I urge the Consumer Financial Protection Bureau to enforce the legal protections established by the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of credit reporting. I kindly request your intervention to address these violations and request that the respective creditors remove these unverified and potentially inaccurate accounts from my credit report. 

Please provide me with written confirmation of your actions and the resolutions of these disputes within the legally mandated time frame. I sincerely appreciate your attention to this matter and your commitment to protecting consumer rights. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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)

n 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 2022-11-01
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 {$130.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$950.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$2000.00} I asked the credit bureaus to do an accurate investigation of the delinquencies on my account to ensure validity. The accounts are not accurate as they were not incurred by me. These are fraudulent accounts. I am requesting that they be removed immediately. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  violated my rights 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Also, 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1684 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-29
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. (VA)

I have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXNone of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.