davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian has denied my dispute for the following company XXXX XXXX XXXX XXXX XXXX XXXX ). This company has an open lawsuit in the state of NY for this reason. Experian is ignoring all the facts put forward by me 1. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office suite which is under my company XXXX XXXX XXXX XXXX XXXX is office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that Experian remove this entry by XXXX XXXX
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Months ago, I have sent a letter to the three credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$7700.00}
Consumer complaint received 2023-03-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Improper use of your report 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off accounts listed below. 
-BK OF AMER # XXXX -BK OF AMER # XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-13
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. Thank you. 
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 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HUNTINGTON NATIONAL BANK, THE (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in XXXX. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. That account was never late and was paid in full a the ned of the loan. The Huntington Bank keeps on reporting this account late and it's frustrating as I've been transferred five times when i contact customer care and none seems to have a solution. This loan have been paid in full and closed since XX/XX/XXXX. I don't know what else to do so I am finally coming to you guys for some guidance please. I also wrote to the credit bureaus and still have not receive any correspondence.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Credit Bureau information regarding my score is incorrect and not updated. I have submitted complaints and wrote letters regarding old accounts and addresses that should not be on my credit report due to the statue of limitation. Instead of correcting this, the organizing or perhaps the credit bureau have just put a more recent date to validated negative credit to stay on my account, but still should not lower my credit score by much, although it does. Moreover, will my payments on credit loans/cards are not updated thereby leaving my credit score low and credit usage high. Moreover, when I requested addresses to be removed I am refused adamantly and does not clearly give me any solutions to have it removed. I then search why and addresses associated with loans that are closed or banks that I no longer have access to to change or close to take an address off or the accounts are closed. I do not understand why this information remains on my credit report. Mainly, with an account that has surpassed the Statue of Limitation continues to remain on my report to keep my credit negative? I am asking this to be investigated. I did write in 2021 to CFPB for help and still the Credit Bureaus ignores and seemingly emphasis to keep my reports and will not update or remove negative information to increase my score. I have tried and am being accountable as best I can to do better and will do. However, if the Bureaus are allowed to ignore the law and keep individuals from having their credit better to do better. I asking for help, please. Also, after I have lifted my freeze from the XXXX as with the others I am finding out the freeze is not lifted, but will not give a reason why, just that if anyone wants to check my credit they have to call? Why will that happen, do I have the right to lift the freeze? And why are they requiring the potential loan providers to call when I lifted the freeze.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (VA)

I opened personal checking account with Citibank online on XX/XX/XXXX. I connected my XXXX  XXXX and transfer my {$1800.00} to my Citibank account online. I was trying to login to my account using Citibank online app and Citibank login through the desktop website I was unable to see my account it was just a white blank page. I contacted Citibank on numerous occasions why I couldnt check or login to my account, they said my account was closed but they wouldnt give me a definite reason as to why. They said they closed my Citibank account and theyll send me a check of the remaining balance in my Citibank account today is XX/XX/2021 and I still havent received my {$1800.00} check in the mail.
Consumer complaint received 2023-10-11
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: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX I received an alert on XXXX XXXX that a hard inquiry was done to a company named BARCLAYS BANK DELAWARE. Which I never applied for. I contacted company due to another email that my application was under review. They informed me that there was no application but can be due application was not yet approved. Again I never reached out to company for request of credit service.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX XXXX : {$9200.00} Consider this as a follow-up request prior to my earlier complaint dated XXXX/XXXX/2023
Consumer complaint received 2023-03-04
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. (AZ)

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. In the event that 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 XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-07
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. (PR)

I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXXXXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I applied for PSLF forgiveness in XX/XX/2021. I requested my payments made during the COVID pause to be refunded to me from XXXX and MOHELA ( once I was transferred ). I did not receive the refund and am now being told I will not because my loans were forgiven. However, I made the request before the loans were forgiven. Also, they did not count my payments made to XXXX from XXXX, which would have given me 160+ payments and qualified me for a refund. XXXX had me listed as in school, which I was not, I was in repayment. When I asked for these to be fixed it was changed to Administrative forebearance. They are only listing me at 120 payments and not counting those years. The amount of money from the Covid refund alone is {$12000.00}. It is not insubstantial.
Consumer complaint received 2023-03-04
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. (CA)

This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (IN)

I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.
Consumer complaint received 2022-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

I have been receiving phone calls at least XXXX out of XXXX days a week and sometimes up to XXXX calls per day from Navient. 
I am the co-signer of private student loans for my daughter. My daughter recently moved from XXXX to XXXX and was unemployed while job searching for about XXXX months. She said she spoke with a representative from Navient explaining her situation and thought the matter was cleared up; i.e. a delay in payment. Navient did not take this into account and called me incessantly. My daughter had asked for a consolidation of her Navient loans in the past but that has never occurred. 
I truly just want this company to work with the students taking out loans. 
We were presented with no choice when my daughter went to college and had to apply for loans. I understand that I took on a responsibility when becoming co-signer but never expected this level of loan shark tactics and harassment.
Consumer complaint received 2023-03-04
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. (NC)

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 2023-03-04
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-14
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-03-04
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)

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX