davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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. (WA)

XXXX Transunion and XXXX are all reporting my student loans unlawfully on my credit report. according to Washington state RCWs > Title 19 > Chapter 19.182 a consumer can not report accounts more than 7 years old. I have disputed all credit reporting agencys mentioned and was refused the correction. I have also disputed the wrong social security number being reported on my XXXX credit report and the agency refused to fix the correction. I have also disputed my name being reported incorrectly and multiple times on XXXX and the agency refused to make the correction. The agent on the phone told me that it does not matter that my name is reported the way it is and that he was not going to remove it. I have also disputed wrong addresses being reported on all the mentioned credit reporting agency 's mentioned. the agencies are still reporting the wrong addresses. 

According to the cares act that has been passed due to coronavirus pandemic, Student loans are required to report cuurent status of loans as current and paid. XXXX Transunion and XXXX are all reporting my student loans as past due and not current. I have complained of this recently and i have not gotten any corrective action, My civil rights are being severly violated XXXX is reporting wrong information about me to businesses causeing adverse actions they are also reporting information that should not be reported because the information is more than 7 days old. I have complained to Washington states Attorney general. XXXX responded claiming to be a reporting agency reseller but is being listen as a credit reporting agency on one of the adverse letters i have recieved from the business i was dealing with. 

the economical difficulties i have experienced from these credit reporting agencies has severly affected my family. I have children that have health issues that have been refused stable housing. I am a victim of XXXX  XXXX and i suffer from a XXXX  XXXX. I have submited complaints to the department of education multiple times on the reporting on my credit report and i have not gotten any  help. 

I am an XXXX american woman single mother low income and current on public housing assistance. The negligent acts of these businesses has restricted me from recieving services that would enable me to sustain a suitable life for myself and my children. I do not have the financial means to afford an attorney and have been forced to deal with the burden of these businesses. I feel victimized behind XXXX discrimination based on my race, family status, and XXXX. I have not had any corrective action dispite my multiple attempts to correct. I would like to peruse civil action against all parties involved
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (AZ)

The credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX so I am not present at home for random mail ( been gone 2 years ). First progress apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX 2 weeks later XXXX 60 days late. Honestly I feel like it's fraud.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I recently needed a copy of my credit report from Experian. When I tried to log on with a recorded user ID and Password I could not access my account. I attempted to call the toll free number listed on the website during the open times listed. The first three ( 3 ) times I made the call I entered my SSN but the recorded message announce I didnt get that and I was unable to speak to anyone. 
Later that day I needed to temporarily unfreeze my account to apply for a credit card. After I was unable, again to reach Experian by phone, I had no other option but to create a new User ID, Password, and PIN. When I logged in, the website recognized my identity. I then attempted to lift the security freeze with all the recent info I had entered. The website did not recognize my PIN and, since I could not reach a customer service representative by phone, I was required to send, by mail, with all info and documentation that could be used to criminally assume my identity, a written request to lift the freeze on my account. 
As I am in the process of purchasing a house I sent the required letter and info through the unprotected U.S.P.S. As the customer service Experian provided was well below sub-standard, and as I do not wish to ever have to rely on Experians lack of competence and support, I requested a permanent lift on my security freeze, further exposing my identity. 
It borders on a criminal offense that Experian requires me to provide all documentation that could easily be stolen from U.S.P.S. control. 
The inability to contact a customer service rep and the inadequate nature of the website made this a horrible experience for me.

I am ccing the Consumer Financial Protection Board and will make a formal complaint on the www.consumerfinance.gov/complaint web page. I am also ccing the New York State Department of Consumer affairs and will make a formal complaint on the website www.dos.ny.gov/consumerprotection/form/complaintform.
Consumer complaint received 2020-10-02
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: Nelnet, Inc. (MA)

Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-08-18
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)

One of the three major credit bureaus is in my opinion overstepping their boundaries as it relates to what I believe is a conflict of interest. Experian is attempting to sell a product called " Credit Boost '' which I believe to be a conflict of interest as it relates to the Fair Credit Reporting Act. 

I am receiving solicitation emails daily from Experian and I see their commercials daily on television. They are attempting to do an end run around the act by enticing people with a potential higher credit score to get access to their utility payment history. Congress and the Fair Credit Reporting Act does not allow them to have access to this data as of yet. 

As an impartial credit reprting bureau I believe there is a conflict of interest where this bureau is offering to manipulate your credit score based on their products. It works the other way where they could  actually lower your score to make their product more enticing. 

I would like to see an immediate cease and desist and a public apology from Experian.
Consumer complaint received 2023-01-09
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

The company below failed to do a proper investigation of my credit report. according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. 

Accounts : Syncb/ Care CreditXXXX XXXX
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

I disputed and had removed from my credit a collection by XXXX XXXX originally from XXXX XXXX  XXXX XXXX due to the debt not being mine. Now it appears XXXX has sold this collection to Phoenix and they have put this debt back on my credit reports. I do not owe this debt, I was not the person that required treatment, I was not present at time medical assistance was given. The person to whom medical assistance was given was a legal adult at time of service and was not enrolled in post secondary education. I did not have insurance on the person to whom this debt belongs. 

I also disputed this debt on this site and received a letter from the collection agency that I will upload stating that the debt will not be attempted to collect again on me.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (OR)

XXXX. XXXX XXXX XXXX. XXXX, GA XXXX. 
Experian. Dispute Department. XXXX XXXX XXXX. XXXX, TX XXXX. 
XXXX. XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX  and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. Secretary XXXX XXXX XXXX office a compliant as well fha programs are being affected. by this reporting police reports from oregon and utah has been sent your office and the 3 credit burros. with cifit request
Consumer complaint received 2023-12-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing this letter to dispute the erroneous reporting account on my credit report provided by your bureau. The details of the disputable accounts are as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019. I request you to evaluate this reporting by revising the information provided. According to my understanding, a charge-off account should show a {$0.00} balance. However, in these cases, there is a balance of {$100000.00}. I urge you to remove these erroneous reporting accounts from my credit report as soon as possible. I would like to bring to your notice that XXXX has already removed these accounts from their records, as they found an error present. However, I am confused as to why your bureau has verified it, while the other bureaus have removed it. Please delete these accounts from my file as they are inaccurate, erroneous, incomplete or unverifiable.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Credit reporting agency not corrrecting late payments as requested inaccurate information reference 15 USC 1666B remove all late payments retroactivly to current across all agencys 15 USC 1666B
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the XXXX point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America XXXX XXXX, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.
Consumer complaint received 2020-08-07
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. (AR)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2020-08-07
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. (FL)

THIS IS NOT MINE AND I DID NOT OPEN. THEY HAVE STILL NOT FURNISHED ME WITH PROOF OF IT BELONGING TO ME AND IT WAS THE SAME MONTH 2 OTHER CARDS WERE OPENED. I WAS A VICTUM OF FRAIID AND HAVE HAD AN EXTENDED FRAUD ALERT ON MY FILE FOR YEARS AND THEY WOULD HAVE HAD TO GET WRITTEN APPROVAL FROM ME TO EVEN OPEN AND THEYARE NOT RESPONSIVE AND WONT DELETE IT WHEN IT IS NOT MINE. 


Account NameXXXX XXXX XXXX  XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$11000.00} written off.

Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$11000.00} TermsNA
Consumer complaint received 2023-01-09
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: JPMORGAN CHASE & CO. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX XXXXo file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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 account/item which do not belong to me or was opened without my permission. I found that under section 605b ( a ) XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) JPMCB CARD XXXX Date Opened : XX/XX/2015 Balance : XXXX 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 XXXX business days after the date of receipt.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

In XXXX of this year, I saw where I had a couple of medical collections on my credit report. One for {$170.00} and one for {$200.00}. Both of these collections were with the same collection agency called XXXX. I called in XXXX and I paid both of these accounts even though I had no idea they ever existed. In the beginning of XXXX of this year, I noticed these two collections along with another collection for {$470.00} suddenly reported with a new collection agency named Ability Recovery Services. Myself and my wife have called Ability Recovery and we've provided proof that the collections have been paid. This was done almost 2 weeks ago. When I first sent in the letter to show the account was paid in full, they responded asking me for the account number even though the account number from the original creditor was on the letter showing the account was paid in full. At that time I didn't have the full account number for Ability Recovery because it was listed on XXXX XXXX and XXXX XXXX doesn't show the account numbers. My wife called everyday last week asking if they could escalate this because we are in the middle of trying to purchase a home and these collections suddenly reporting have caused scores to drop. Noone at this company was helpful or attempted to escalate the problem for a quicker resolution but instead told my husband on yesterday that it would take another 60 days for a resolution. We do not have 60 days and this is not our error. We paid these accounts as soon as we knew they existed and they should've never made it into Ability Recovery office. With the way the interest rates are rising, we don't have 60 days to wait for them to take their sweet time investigating information. There is nothing to investigate. I clearly sent them a receipt showing the accounts had been paid in XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all XXXX credit reporting agentcies and the fraudulent accounts came back as verfied and accurate.