davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

My three student loans from XXXX was completely paid off on XX/XX/year> in the amount of {$8300.00}. I received two different emails from them saying the loan is completely paid in full and there is a zero balance. 

In early XXXX, I contacted Experian Credit Report company and filed disputes online to get these accounts corrected and they continously closed the disputes without giving me any explaination as to why. I sent them copies of both emails I received from XXXX saying the account was paid in full and closed. They refuse to correct my credit report which still says I have three different XXXX accounts with three different balances. My total credit amount for student loans on my credit report says I have {$15000.00} in student loans and I actually only now have {$6700.00}. I have called Experian several times and they never help me, they just say " I'll open a dispute '' which does nothing because it's closed the following day with no corrected actions or explaination to me. I am now going on two months trying to get my credit reports corrected and I have no follow up or solution for this.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom it May Concern ; This is about the Consumer Credit Transaction initiated with XXXX your financial institution executed by way of signing an Agreement ( " document '' ). 

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, XXXX furnished my nonpublic personal information to nonaffiliated third parties ( ie Transunion, ). 


According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information : 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 ) Otherwise obtained by the financial institution.

Furthermore, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named Transunion is nonaffiliated third party and your institution has violated the provisions of 15 USC 6802. 
In case XXXX  admits that the organization named Transunion, is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( il ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states that if XXXX wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 


Therefore, XXXX has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request TransUnion to remove the below-mentioned information from my consumer report. 

If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter Sincerely XXXX XXXX
Consumer complaint received 2022-10-19
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: MicroBilt / PRBC (formerly CL Verify) (MI)

MicroBilt has violated my federally protected rights under the FCRA. MicroBilt infringed upon my rights to privacy violating 15 USC 1681. MicroBilt did not have permissible purpose to furnish my non public information violating 15 USC 1681b. Microbilt also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy as required by Congress. Due to your inaccurate and illegal reporting, I was denied for credit for information you infringed upon that is non public information. Microbilt employees/agents is using my consumer report with XXXX means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are now on Notice to Cease Communication from me from all mediums including my consumer report.. Failure to Comply will result in legal Matters in Federal Court with a jury trial for all damages sustained from your reckless reporting.
Consumer complaint received 2022-09-29
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. (NY)

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$2400.00} This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2023-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

On XX/XX/XXXX, I submitted THREE PSLF Employer Verification Forms to MOHELA in order to verify additional employers with qualify payments under the one-time PSLF waiver. On XX/XX/XXXX, MOHELA responded to the first of my three forms, and stated the form was " missing employer information. '' It was not. I called MOHELA on XX/XX/XXXX, and I spoke with a customer support agent who manually looked at the form, and said, " it looks good to me ; I will resubmit it. '' On XX/XX/XXXX, I logged on to MOHELA 's self-service website and noticed all three of my forms were now marked as " duplicate form. '' They are not duplicates. They are THREE different forms with different employers to verify under the one-time PSLF waiver. I called MOHELA again on XX/XX/XXXX. I again spoke with a customer agent. The agent stated, " I see what you mean ; these are not duplicate forms. I will reprocess the forms. '' As of XX/XX/XXXX, all THREE employer verification forms are still marked " duplicate form '' on MOHELA 's website, and no additional action has been taken. On XX/XX/XXXX, dealing with another problem with MOHELA, I spoke with a level-two support agenda, on the customer escalation team. I asked if she could take a look at my PSLF forms too. She stated, " I will mark them for re-processing again, but they all look good to me. '' While I understand the transfer of the PSLF program from XXXX to MOHELA has taken time, and MOHELA is currently stating 60-90 wait periods, I did wait. My forms were completed on XX/XX/XXXX. MOHELA 's errors in processing them are causing delays.
Consumer complaint received 2023-02-21
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. (TX)

This is my 2nd 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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I believe my rights as a consumer are being violated by XXXX. Specifically, I am trying to purchase my first home. During the mortgage application process, while applying for a home mortgage, I learned that there was a delinquent item from XXXX reported on my credit report. This delinquent item is severely impacting my ability to secure a home mortgage. In addition, even if I am approved for a home mortgage, I will be paying a higher annual percentage rate ( APR ) for my mortgage due to inaccurate reporting by XXXX. My credit profile and my credit scores are being negatively affected and as a result of the erroneous reporting. As such, I demand that XXXX remove this erroneous reporting immediately. 

As a consumer, I take great pride in my credit and realize that the cost of credit is partially based on my credit history and my credit score. I am praying that Consumer Financial Protection Bureau ( CFPB ) take immediate action to cure the injustice to my credit report. 

Please note that I was a longtime customer of XXXX for many years. In XXXX  I moved from my apartment and into a new residence. Upon moving I completed an address change with the United States Postal Service to ensure my personal mail was forwarded to my new address. 

Further, when I moved, I canceled my XXXX plan and moved my cellular phone service to XXXX XXXX XXXX. I received a final bill from XXXX and paid it accordingly. After moving, I had no subsequent communication of any kind from XXXX. Then, approximately 90 days after moving and being on the XXXX XXXX XXXX plan, I received a call from the collection department at XXXX. I was told that I was liable for an early termination fee of approximately {$200.00}. It should be noted that I was not aware of the fee, nor did I ever receive any billing of any kind whatsoever. At the time, I didnt want to fight with XXXX so I paid it. 

However, prior to paying the alleged amount due, I specifically asked XXXX if anything was going to detrimentally affect my credit. XXXX assured me that there would be no reporting of any derogatory items to any of the 3 credit bureaus ( Experian, XXXX, XXXX ). As such, I paid the amount they claimed I owed them. I assumed that the amount was paid in full and the account closed and no derogatory reporting on my credit report. 

Thank you in advance for your review into this matter. I sincerely appreciate your help in resolving this matter. Please do not hesitate to reach me should you have any questions or require any additional information. 

Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2024-02-19
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-29
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. (NY)

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 am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me with legal documents that certify that they have investigated my concerned account lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are big, fat liars! You claimed that you verified this account but provided no documents. I haven't heard any response from Transunion and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully noncomplying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the account in question. Below, is the account they should DELETE from my file : XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX Account # XXXX have 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 2022-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

Got a card at IKEA ( Comenity Capital Bank ) for a kitchen project. I got the card for rewards towards a project that is nearly finished. I have had ~ {$200.00} rewards expire due to delays in production/shipping. Since I can't prepurchase items for my kitchen the rewards just defaulted. 

I received a statement from Comenity in XXXX with {$270.00} worth of coupons that I tried to use in the store in XXXX. They were all printed with the same PIN code and were unusable. I need to make another significant purchase to complete the project and the rewards are still not available to me. I have spoken with IKEA customer service that sent me back to Comenity ( who then sent me back to IKEA ) at least 10 times.
Consumer complaint received 2022-09-29
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. (AL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (CA)

I would like to reopen my complaint number : XXXX This complaint has all the information I submitted earlier. The company replied me back with the wrong information and closed my complaint. 

The sent me attached Notice of Transfer letter and found it was addressed to a wrong person and at wrong address. That letter also has wrong Loan numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I dont own the above property and my property address is XXXX XXXX XXXX, XXXX CA XXXX. Im still making payments to loan depot and my account is not transferred. It looks like you mixed up my name with someone else who also has the same name like me. 

I confirm I did not receive any letter from you and my loan is still with Loan Depot. It sounds like the payment I sent on XX/XX/XXXX was received under a different account that does not belongs to me. This is very serious mistake and I would like you to review it carefully. 

Thank You, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-02-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.