davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2021-11-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

between XXXX XX/XX/21 I opened a dispute with experian against XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/21 i received notification that the dispute results were ready for XXXX on their website it stated that XXXX provided them with proof that they had a right to collect a debt that is over XXXX yrs old. i found this to be odd because i sent XXXX XXXX certified validation of debt letters starting XXXX. with no response from this company, I then called experian to see if they could provide me with that information since i've been trying since XXXX to get proof that they are who they say they are, however i did not get that info. a experian rep stated that XXXX did not provide any paper work showing that they have a right to collect any debt from me and that they just took their word for it. 

that is just mind blowing!!! if i am a consumer and i require that you provide proof, how in the XXXX is a national company just taking a debt collector 's word as accurate. Are you serious!!? i recently had another debt collection company contact me trying to collect on a student loan. unbeknown to this vampire i had already validated who my debt was with and you can bet your XXXX it was not with the company that was calling. 

I'm telling this story to say this. it is clearly easy for scammers to get your social security number and place items on your credit report. if the credit bureau 's are just taking someones word as gospel, it's so alarming and beyond idiotic!!. also experian makes it so difficult for consumers to dispute any items. you're only allowed to upload XXXX of proof ( XXXX documents ) and explain the issue within XXXX sentences. they're clearly not doing they're jobs. but i'm hoping that you will!!! they should be investigated and fined for the things they are doing or rather the things that they refuse to do to protect consumers. 

experian are not investigating these companies they closed the XXXX XXXX dispute, I still dont understand how when they are on the list as a predatory lender. 

P.S. i have attached the validation of debt letter that was sent and XXXX Response that i finally received after i filed an ftc complaint and you tell me if You think this is acceptable.
Consumer complaint received 2020-01-13
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. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-12
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. (SC)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate. 

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number of Closed accounts that needs to be removed. 
XXXX XXXX XXXXXXXX date open XX/XX/XXXX. Not my account, XXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through XXXX XXXX XXXXXXXX insurance. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I have applied for two travel credit cards at Chase bank, United Club & Marriott Bonvoy XXXX on XXXX XXXX, XXXX. On XX/XX/XXXX I was sent letters that i was not approved for the credit cards ... I applied for these two credits cards because I love the benefits the cards offer, such as free checked bags on the first & second for the United Club and the Free Night Award on the Marriott   Bonvoy XXXX. Not only do I enjoy the benefits of the cards, as a small business owner I need to travel abroad often to visit my brokers  & customers  & gain/build new networks  for commerce. Not only will these two cards help me personally and my business, but it will create business and a stronger relationship with Chase Bank. This will provide value for Chase bank and may allow me to borrow money in the future and pay Chase bank more interest. Not only will this create more value & money for Chase Bank ; my credit report clearly shows I am a responsible person who knows how to be financially independent. My score being above average, I have seven years of credit, very low credit usage, zero late payments, zero derogatory remarks, zero collections, and only two hard inquiries. The few credentials I have provided is enough to establish that I am financially responsible and will be able to responsibly mange two more revolving accounts with Chase Bank. My credit report and the growth of my business and other personal assets should provide proof I can manage my debt responsibly, afford more credit and have the capital to pay off future debt on time and in full as I have.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Back in XXXX of 2019 Sychrony bank lowered my Credit limit for no reason. I had a {$4500.00} limit and they decreased it to {$1300.00} which was {$10.00} above my balance. I contacted Sychrony bank and they sent me a letter that stated My revolving balances where to high. ( These balances have only decreased from the time I got the limit increase ) My real estate balances are to high ( I just purchased my home and this is the reason I got this card ) I spoke with Sychrony on a few occasions where no one was able to tell me anything but read my letter and we will review and call you back. I never received a call back so I decided to file a XXXX XXXX XXXX complaint. With this complaint I asked for my credit limit to be put back to what it was. They wouldnt respond to the XXXX  complaint and said they mailed me the response for my privacy. The letter I received was only the same letter I received from them when they lowered my limit. This action by them dropped my credit score by near 40 points. Today I receive a letter notifying me they have closed out my account. The letter states the same reasons as before and yet my credit cards have been doing nothing but decreasing in balance as well as my home loan. I have not missed a single payment on any card I have in many years including Sychrony bank card. So I called to find out what the deal was. I spoke to a account manager by  the name XXXX and she had no info at all. First she tried to tell me this is a new thing they are doing where they inspect your credit report Quarterly and my score must have dropped. The only reason my score has dropped is because what they did to me in the first place dropping my limit to 99 % utilization. So now they have negatively effected my credit yet again by closing a account that I have never missed a payment or even been late on. I feel this has been done maliciously because I filed a XXXX  complaint against this company.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a credit card with Bank of America for nearly 14 years and never missed a single payment on the card. Mostly, because it was on auto-pay. I had to close my checking account for fraud and opened a new account with a new financial institution. 

I called BOA 3 times to give them the new account information for the Auto Pay and they never updated it. I also advised them to cancel auto pay but they did not. I made the payments that were required in the local branch ; however the auto payments that they attempted bounced back. 

This caused them to close the card. I attempted to resolve the issue with them last summer but ultimately gave up. Since the card was closed I was no longer getting any notifications or emails or phone calls from them and I was not receiving my statements due to my identity theft. I advised them of this. In XXXX of this year, they reported me late to the credit bureaus but they did not call me or advised me that I was late in making a payment and in fact I had called them several times to attempt to pay over the phone but they STILL did not have my updated checking account information on file, and they wouldn't give an option to pay with a debit card. I spoke to someone in their customer service department and they advised me they would remove the late payment but it is still showing.

This has caused my credit score to drop over 100 points. Please help me!!!!!!
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (NY)

I been getting letter on XXXX XXXX about that i can not open a bank account because of check fraud and i never done that in my life and someone is using my information and i dont even know who is doing that i just want to clear this problem because it is affecting my life and parents keeps asking about it and i don't want to be in trouble for this. I need to have a good record and credit score. I need to open a td bank account but i can't not do that because of this issue and also it always come up in the system when one of the banks put my information in.
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (MS)

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
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)

On XX/XX/XXXX, I called XXXX XXXX  to report fraudulent transactions and payments on my accounts. Since that day, XXXX has been negligent in how the investigation and reporting of this matter have been handled XXXX has partnered with Experian and Experian has reduced my score because of this XXXX account. 

Neither company has respected my consumer rights although I have submitted the police and FTC reports, verbally described the incident, and have written letters requesting this information gets corrected. 

On XX/XX/XXXX, I called XXXX after noticing another payment had been deducted from my business account. I was informed that my pending claim had been denied because it was incorrectly submitted by the fraud team. 

The account was reported as fraudulent, instead of having fraudulent transactions. I requested documentation detailing transactions charged to this account to help me determine which ones were not authorized and on XX/XX/XXXX and XXXX, XXXX responded that there were no transactions done to this account. 

Today I called XXXX touch base and was informed that my dispute for this account was submitted incorrectly for a 5th time by XXXX, therefore it was denied. She submitted another claim today and told me any money would be returned to me once the account charges are verified as fraudulent. 

FTC CFPB Help me with these monsters XXXX and Experian. Step in or give me guidance on how legally to hold these companies accountable for the money they ruse to return. I am exhausted Physically and emotionally.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2023-05-02
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. (GA)

I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA XXXX ( XXXX U.S.C. XXXX ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX A XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXXXXXX XXXX XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This complaint is due to the XXXX XXXX XXXX with this companys 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. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. Please Cease and Desist the reporting of my private consumer information immediately.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Good Day! 

My name is XXXX XXXX ( XXXX ), and I am writing to file a complaint on behalf of Mohela. As instructed, I applied for the PSLF program in XXXX and have yet to be provided with any updated accurate information. I initially joined the XXXX XXXX XXXXXXXX in XXXX of XXXX, and was told that as long as Im working more than 30 hours weekly, and made that if 120 payments, I would qualify for either TPSLF or PSLF. 

On several different occasions, I have reached out to Mohela for updates as additional clarification, and each time it appears to fall on deaf ears. 

Per different CSRs, there system is showing that my employment meets the qualifications, but I have yet to that see information reflected on my account. 

Each time I call, I am on hold for long times, and I walk away from the conversation each time confused and frustrated. 

Whenever I email, all I receive in return in automatic replies with no resolution. 

Just asking for an update and how to turn my XXXX eligible payments into qualifying payments. 

Please help me someone please!
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had a credit card with XXXX  XXXX XXXX for nearly 14 years and never missed a single payment on the card. Mostly, because it was on auto-pay. I had to close my checking account for fraud and opened a new account with a new financial institution. 

I called XXXX 3 times to give them the new account information for the Auto Pay and they never updated it. I also advised them to cancel auto pay but they did not. I made the payments that were required in the local branch ; however the auto payments that they attempted bounced back. 

This caused them to close the card. I attempted to resolve the issue with them last summer but ultimately gave up. Since the card was closed I was no longer getting any notifications or emails or phone calls from them and I was not receiving my statements due to my identity theft. I advised them of this. In XXXX of this year, they reported me late to the credit bureaus but they did not call me or advised me that I was late in making a payment and in fact I had called them several times to attempt to pay over the phone but they STILL did not have my updated checking account information on file, and they wouldn't give an option to pay with a debit card. I spoke to someone in their customer service department and they advised me they would remove the late payment but it is still showing. 

This has caused my credit score to drop over 100 points. Please help me!!!!!!
Consumer complaint received 2020-01-13
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. (NV)

I tried having the credit bureaus remove a collection account from XXXX that is not mine. I need to have this removed ASAP. This has been affecting my ability to qualify for loans.