davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (OH)

I have checked my EXPERIAN credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, EXPERIAN assumed this role without permission not only that, they did not have my consent. EXPERIAN did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. EXPERIAN did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. EXPERIAN never had a permissible purpose Under 1681b ( a ) 2. I never instructed EXPERIAN to furnish this report and I never consented to this report in the first place. The 3 fraudulent accounts are A fraudulent closed account POSSIBLE FINANCE that has late payments. I have NEVER done business with this company and A card with XXXX XXXX For the amount of XXXX. In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These 3 accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent EXPERIAN and my proof of identity.
Consumer complaint received 2019-12-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SANTANDER CONSUMER USA ****** Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER ****** Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2023-01-14
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. (TN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2021 XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account.
Consumer complaint received 2023-01-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (PA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CT)

So, I just set up an app called Zelle to sell one of my XXXX purses on XXXX XXXX. A person named XXXX, however, I found a different name called XXXX XXXX after she fraudulently took money out of my bank account and it was unauthorized. I accidentally hit the send button instead of request for the money and now MY OWN money went to this scammer. My bank account, XXXX  bank, refuses to refund me the money or reverse the transaction and Zelle filed a dispute and flagged this person as a scammer, but they also refuse to give me my money back. Moral of the story, I want my money back, and I wont stop until I do. I dont get paid enough with a bachelors degree as it is and minimum wage is higher than what I am making. No one is giving me my money back, which is RIGHTFULLY AND EARNED FOR ME, MYSELF, AND I!!! If you guys want to pay all of my bills, please be my guest because I give up with this country, the prices of everything, not being able to live my life because all I do is work to make ends meet as it is, and Im sick of this state matter of fact. I did NOTTTT authorize this person to receive MYYY money. I was supposed to receive it from THE OTHER person. This is 510 % fraud and it was completely 110 % unauthorized. I will be glad to get my lawyer involved if no refund is issued to me for {$150.00}. I am negative in my account anyways and if I have to go even more negative in my account to PAY MY BILLS LIKE AN ADULT or since Im not getting refunded right now, Ill just treat myself finally to new clothes I cant afford because Im too busy paying all these bills for you guys, instead of paying bills as always because I dont get paid enough to care! Anyways, I promise I have no problem calling my lawyer right now. I am so tired of getting messed over by the government and speaking of government, where are my 3 stimulus checks I never got because my DOB does not match the IRS database system?! I want my entire {$150.00} back or I will be talking to my lawyer about XXXX Bank and Zelle the app tonight. Again, IT WAS AN ACCIDENT!!! THAT IS MY MONEY THAT I DID NOT AND NEVERRRRR AUTHORIZED THIS PERSON TO GET AND I WANT IT BACK, ALL OF IT, LIKE NOW. END OF STORY!!! Again, Im tired of this country messing with me, and due to that, I have been planning to move to XXXX. This is absolutely absurd, immature, and obnoxious. REVERSE THE TRANSACTION INSTEAD OF LETTING A SCAMMER TAKE MY MONEY. THANK YOU GOVERNMENT!!!! PLEASE BE A LITTLE CONSIDERATE ( maybe Im asking for too much but Ill get my {$150.00} back even if nothing is done, somehow and someway dont worry, I promise. THANKS!!!!!!!!
Consumer complaint received 2024-04-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (MA)

In XX/XX/XXXX, I opened an account with Possible Finance, an online payday lending service, at www.possiblefinance.com. For several months, I was unable to access my account due to it being locked, complicating my efforts to update my bank account details. I reached out to Possible Finance on XX/XX/XXXX, to address the issue of being locked out and to change my bank account number. Additionally, to complicate matters worst, Possible Financial 's system failed to update my bank information, as evidenced by the email I have attached. Although Possible Finance responded by saying they had updated my phone number in their email reply, this update did not occur until XX/XX/XXXX. That's because I wrote once more to get my account bank on track given their failures to do so. Until then, I was unable to log in or make loan payments. That's when Possible Finance did the change, prior to this Possible Financial did not assist or consider updating my phone number on file, nor do they provide a contact number for support. It was only after resolving these issues that my account was reported as defaulted for XX/XX/XXXX days on my credit reports, indicating I had defaulted on my loan. Despite settling my loan balance in XX/XX/XXXX after accessing my account. Possible Finance did not acknowledge their fault or update my credit reports, adversely affecting my XXXX XXXX and XXXX stability.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX - XXXX XXXX XXXX XXXX BANK XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

My student loans were put into forebearance and in school deferment on XX/XX/year>. However I did not approve any of these changes at all. Interest has accrued substantially and nelnet still won't take my loans out of forebearance and in school deferment so I can make payments on the SAVE plan. I called on XX/XX/year> to check the status of my request that I had previously made on XX/XX/year>. However the Nelnet phone operator had no record or ticket of my previous request. I was told again the problem would be fixed in two weeks but was not able to be given an email or letter stating my request. I have accrued almost XXXX in interest because of Nelnets faults.
Consumer complaint received 2023-01-14
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)

Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to XXXX knows who I feel unsafe with these companies. Entrusted my information with I was not notified
Consumer complaint received 2023-02-21
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. (TX)

I recently received a copy of my credit report and I have found the following items listed below to be in error Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) which states that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments, account balance, collections, repossession, status, and utilization is considered a credit transaction or an experience between the consumer and the person making the report. 
I am opting out of any all authorization given to report to any third party any authorization verbally or non-verbal, written or non written, indirectly or directly, I am now rescinding that authorization pursuant to 15 U.S.C 6802 6809 ( 4 ) ( a ) and 16 cfr 313.2 and it also states that I have a right to privacy I have the right to opt out of my non public personal information being shared with nonaffiliated third parties such my credit transaction.

Pursuant to the privacy Act 15 U.S.C 552a and 20 cfr 401.25 the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; I never gave you XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). XXXX has caused severe damages and anxiety due to the abusive and unfair practices. This is now impeding on my life and familys lives. 
You, XXXX should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and intentionally cause harm to consumers. 
Since you XXXX and whatever creditors paying for your reporting services Has violated the FCRA 15 U.S.C 1681 that the consumer credit transactions and experiences between the consumer and person making the report are illegall on credit reports because they will violate The Privacy Act of 1974 which state that my financial transactions which are my credit Transaction & any experiences between me and any person making the report is my privacy which is not public information and should not be shared with or by any Agency & if shared with out my consent is a violation 15 u.s.c 1681b ( 2 ) and infringement to my right privacy.

I demand removal of all late payments, collections, Balances and repossession be removed from my comsumer report, and for account to be updated as paid/current, Within 10 days pursuant to 15 U.S.C1681a ( 2 ) ( A ) ( i ) 15 U.S.C 552a & 20 cfr 401.25 The privacy Act of 1974 failure to amend is a violation of 15 u.s.c 1611 and 15 u.s.c 1681n
Consumer complaint received 2023-03-01
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 a account without my written instructions.
Consumer complaint received 2023-03-01
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. (FL)

XXXX XXXX XXXX, Amount : {$7000.00}, company is reporting inaccurate information to my credit report. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.
Consumer complaint received 2019-12-13
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: EQUIFAX, INC. (CA)

I have disputed twice with Equifax in regards to a line of credit with XXXX in which Equifax claims they have verified this account with the source and updated their balance of {$49000.00}. Now I have a letter directly from XXXX that I submitted to Equifax in which it states a XXXX balance. Even after such proof, Equifax has failed to update the balance on their credit report. I have tried twice with them and it comes back verified. This is a neglect on Equifax part since they disregard the evidence provided to me directly from the source.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I called US Bank customer service to remove an authorized user on XX/XX/2024, about a month ago. They told me the user would be removed in a few business days. However, I still see this user listed in my Authorized Users list on the website. This person, XXXX XXXX, does not want to do business with US Bank any longer, and asked me to remove her from the account.
Consumer complaint received 2023-01-14
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)

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 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 2023-01-14
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$39000.00}
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct 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 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 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 2021-11-19
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. (FL)

While analyzing my credit I noticed a fraudulent account was opened using information of mines that was compromised last year. I've tried contacting transunion directly but after numerous attempts I have not been able to receive any help or services from them directly.