davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against Experian, XXXX, and XXXX regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX, through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by Experian, XXXX, and XXXX. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that Experian, XXXX, and XXXX physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that Experian, XXXX, and XXXX verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from Experian, XXXX, and XXXX. As stipulated by federal law, I request the completion of the investigation within thirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.
Consumer complaint received 2023-02-17
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX XX/XX/2023.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-19
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: CITIBANK, N.A. (IL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-02-17
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. (CA)

XXXX XXXX continues to report late payments on XXXX accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from XXXX XXXX to no avail. XXXX XXXX has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
Consumer complaint received 2022-10-29
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. (HI)

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


15 U.S.C 1681 section 602 A. States that 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 2017-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DE)

I have been making payments on my student loans from Navient for at least five years. The principal balance for one of my two loans with them was {$13000.00} - taken out when I was in college in XXXX. I began making payments toward this loan in XXXX, and at first was making full payments toward the principal. In XXXX, I switched to interest-only payments due to my financial situation. That lasted for two years. In 2014, I again began making full payments on the loan. In the three years that I have been making full payments, my principal balance has not decreased at all. According to Navient 's records, I still owe {$12000.00}.
Consumer complaint received 2022-10-29
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

My student loan servicer was perviously XXXX and now it is Navient both whom I had major trouble with. I owe XXXX in student loans and I am on the IBR plan. My monthly payment has been calculated to zero due to low income. Despite my low income I was getting help from my family and making payments anywhere from dollars XXXX for the last few years. I have always requested my payments to be applied towards my principal but my payments were not applied correctly, my balance has still not gone down and is always the same. XXXXNavient is just scamming students and has been doing so for years. How is it possible that after all these payments I am still at the same principal balance. I kind of gave up now and really can not afford to play these games with them anymore. I was told by a financial advisor to ask them over the phone whenever i make a payment to have my payments applied towards my principal. They have not done so and have applied my payments towards interest even though there was no interest that had accrued at that time. These student loans and servicers will eat my life away just unbelievable. Instead of helping students succeed so we have more educated people in the USA they make it almost impossible to pay off these student loans and making them absolutely not affordable for students by redistributing payments wrongly. I have enough of this, this is not how students should be treated and suffer. I have enough of this and as of next week I am filing a lawsuit.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have 4 fraudulent inquiries for Credit Cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (TX)

I have recently gained knowledge in my credit report and realized there are items that i do not recognize. I have asked the bureaus to remove these specific items and they have/ will not. I have submitted an identity theft report that i will be attaching to this claim. I am asking for these items to be removed from my credit report as soon as possible due to them being inaccurate and not mine.
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Maa impacted my credit negatively on an account that I have been trying to resolve in person and via E-mail. I did not receive the notices they claim were sent and after I tried to reach out to pay, they were not helpful and instead proceeded to end negative information to credit reporting impacting my credit score by 50 points
Consumer complaint received 2021-03-15
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: Santander Consumer USA Holdings Inc. (TX)

went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this
Consumer complaint received 2023-02-17
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 ; the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C. 1681 Section 602 A. Subsection 4.- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-02-17
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. (NC)

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

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with evidence of the investigation you conducted and the basis on which you concluded that the debt in question is verified.
Consumer complaint received 2023-01-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-29
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-29
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (PA)

My consumer credit transaction was with XXXX XXXX ( a ) 2 I have no contract with TRUIST. I sent TRUIST a validation letter to validate the alleged debt within 5 days of the first correspondence 15USC1692g, because I believe it was a billing error 15USC1666 I gave them 30 days to validate the debt and I have revived nothing but threats of theft of my car and harassing phone calls 15USC1692d. I also never gave written permission to report this alleged debt and ruin my reputation 15USC1681. In accord with the United States Codes mentioned in the time frame given please cease all collections
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority (MO)

My mortgage company took money out of my account two days before I had it scheduled. They cashed a check that was dated XXXX/XXXX/16 on XXXX/XXXX/16 causing my account to be overdrafted.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention a matter of utmost importance concerning my credit report. Upon reviewing my credit report, I have identified several accounts that appear to be fraudulent and inaccurate. I am formally requesting that you investigate and delete these fraudulent accounts from my credit report immediately. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of maintaining accurate and reliable credit information, and I trust that you will handle this dispute with the urgency it requires. The presence of these fraudulent accounts on my credit report has a severe impact on my financial standing, and I insist on their immediate removal. 
I request that you aggressively pursue the deletion of these fraudulent accounts and provide me with written confirmation once the investigation is complete and the corrections have been made. Additionally, I kindly request that you send me an updated copy of my credit report reflecting the accurate information after the removal of these fraudulent accounts.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TN)

I was granted debt relief from the XXXX XXXX  effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.
Consumer complaint received 2024-01-09
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX  XXXX Balance : {$6600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-23
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: Clarity Services (AL)

I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. The first occurred on XXXX/XXXX/17 by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in Tennessee and the second one occurred on XXXX/XXXX/17 by Clarity Company. I know the Clarity Company has been investigated in the past for this. XXXX XXXX XXXX is looking into this matter and because of the known past history of the Clarity Company, I did not contact them.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (TX)

Previously I submitted disputes for XXXX XXXX Account number XXXX, along with copies of court orders completely nullifying this debt, a full satisfaction, release of liability fully releasing me of obligation, and exonerating. Yet despite this debt being completely nullified per court order, it is still being reported negatively, and XXXX XXXX and XXXX are in violation of said court order. 
Please see copies of previously provided notices and documents.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020 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 i am 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 45 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.