davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (NJ)

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.

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 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 2023-03-17
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. (DE)

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 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (OH)

I have multiple inquiries on my credit report that I did not authorize from XXXX XXXX XXXX XXXX XXXX, global lending service XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my deep frustration and dissatisfaction with the handling of my open accounts with your company. Despite numerous attempts on my part to rectify the situation, the issue of late open accounts persists, and I feel compelled to escalate this matter to ensure it receives the attention it deserves. 

Despite my repeated efforts to address this matter through various channels, including emails, phone calls, and in-person visits to your offices, there has been a lack of resolution. Each time I have reached out for assistance, I have been met with assurances that the issue would be promptly resolved, yet the problem persists. 

The consequences of these late open accounts have been detrimental to both my personal finances and my confidence in your company 's ability to fulfill its obligations. Not only have I incurred unnecessary fees and penalties, but the trust I once had in your organization has been severely eroded. 

As a valued customer, I believe I am entitled to timely and efficient service, which unfortunately has not been the case. Therefore, I am formally requesting the following actions be taken to rectify this situation : Immediate resolution of all outstanding late open accounts associated with my account.

Compensation for any financial losses incurred as a result of these delays.

Assurance that measures will be put in place to prevent similar issues from occurring in the future.

A formal apology for the inconvenience and frustration caused by this ongoing issue.

I expect a prompt response to this complaint and a clear plan of action for addressing the concerns raised. If necessary, I am prepared to escalate this matter further through legal channels to seek appropriate restitution.

I trust that you will treat this complaint with the seriousness it deserves and take swift action to resolve the underlying issues. I am asking for your assisstance to correct the late open accounts in my credit file : 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 2022-03-08
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. (NJ)

I submitted a dispute as I was never late on my XXXX XXXX XXXX XXXX XXXXXXXX credit card in XXXX, as they reported. They responded by incorrectly changing the " late '' date to XX/XX/XXXX, but the records clearly show I had zero balance in XX/XX/XXXX. 
This is not right and needs to be fixed.
Consumer complaint received 2018-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

I attempted many times to contact Sequium Asset Souloution located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX via phone, mail and email but I can not get in contact with a single employee. I have 2 accounts that are fraudulent on my credit that are due to my identity being stolen. The first account was opened on XX/XX/2018 for the amount of {$710.00}. The second account was open on XX/XX/2018 for {$1200.00} which both are in collections. I have obtained a police report and forward it to the XXXX credit reporting agency but they can not remove the charge from my file stating that I have to deal directly with the creditor, I had other fraud charges on my credit report that were cleared up with the police report but Sequium Asset solution is the only company left and After many many attempts I can not get a hold of a single employee. The company never even contacted me to let me know that I have a past due account not one phne call letter in mail or email. Also there are 2 address on my report that are associated with the the 2 accounts that are fraud, I would like the removed also.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX. Had XXXX points in my Amex account. I called to see if the miles were there to reserve 2 air tix to XXXX ( bid class ). They told me yes go ahead and reserve. I did. Transferred XXXX to my wifes XXXX acctbthen when I went to transfer mine, it was denied and said it was being reviewed. Now mybreservation will be cancelled and my wifes points are not able to be returned. I have XXXX miles in the account but they have frozen those
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am reporting a line of credit opened fraudulently in my name, using my social security number, with a balance of {$6200.00}. The company I am reporting is : Portfolio Recovery. This company reopened a closed account, that was recognized as identity theft, on XXXX/XXXX. 

The former company, XXXX XXXX, was notified of the identity theft dated on XX/XX/XXXX of the amount of {$6200.00}. The amount was cleared from my credit report and recognized as identity theft on XX/XX/XXXX. 

I am reporting Portfolio Recovery for using fraudulent information to gain profit. This line of credit is not mine. I do not have this account. I do not owe {$6200.00} to this company. 

I am requesting that the company removes their name and amount owed from ALL 3 credit bureaus.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and correct for erroneous reporting in my file and are listed on my credit report : 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 2018-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CA)

I purchased a card about 5 years ago at XXXX 's XXXX XXXX value of {$500.00}. I bought 2 cards and used them to go on a trip. I thought the card was empty so it was destroyed. Then I got a letter from US Bank stating that there was $ XXXX.and change left on the card and that I needed to call them if I needed a replacement card or the $ $ would go to the state. I called as soon as I received the letter and was told, " no problem. a new card would be mailed and I would receive it in 7-10 working days. '' The card never arrived however I was charged a {$5.00} re-issue fee. So I called back and a second time was charged a re-issue fee and told it would come in 7-10 working days. The card never came. I called back a 3rd time and was told that it had been done wrong the first 2 times and now I needed to fax the front and back sides of the letter, the envelope it came in and a letter written to them of why it needed to go to a new address.since my home was involved in a legal battle. I also included my drivers license copy so they had my ID with the original address on it. I had to pay {$8.00} to XXXX 's to have this done as now I am living in my car and don't have access to my own fax machine. Still no card came. Spoke to a manager a fourth time and still no card. I called next and now they say there is no record and I should fax all these things again and that I need to provide a new envelope with the address change on it. I have no bills and I am responsible so I notified all important parties that I had an address change so I an not at this time provide a new envelope with a change of address sticker on it. US Bank has been so nice on the phone until the last man I spoke with who was rude and inconsiderate. It should not take 5 months to get a replacement card of {$250.00} Everyone needs a little help sometimes and I really could use this money as I am now homeless and on food stamps and living in my car. Thank You P.S. Any documents I have now will have to be downloaded or copied at a later time.
Consumer complaint received 2022-03-08
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. (TX)

accordance with the Fair credit Reporting act 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
Consumer complaint received 2020-02-04
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: EQUIFAX, INC. (AR)

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. 

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX   XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-02-01
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. (PA)

On all XXXX credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. XXXX paid of accounts still on reports. XXXX, XXXX TransUnion
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (OH)

This is in response the banks statement according to complaint CFPB # XXXX & XXXX I was locked out of my account and lived in a state where there was no TD branch available. I called on XXXX XXXX to gain access to my account. However, the agent told me my only solution was to go to a branch and he can not help me. I also couldn't change my address for billing since I was in Ohio and TD doesn't operate there. Not only until I called XX/XX/2022 was I informed I could mail a notarized statement with 2 proofs of verification. I have not done that yet as my account has already been closed. 

Furthermore, I had more than enough rewards at the time of my account closing ( I believe {$300.00} in rewards ) to pay off my balance in full. Not only was I unable to use my rewards because of account blockage, but I was not informed or suggested that this would be a way to pay off my balance. 

While I understand I was partially at fault, the burdensome process of regaining access to my account made it very difficult to check my balance and get updates on what has been going on.
Consumer complaint received 2018-09-13
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (OH)

Hello my name is XXXX XXXX I am writing this letter to whom it may concern, I have a loan that was recently reported on my credit report as 90 days late payment, these payments were late cause I was told that I had forbearance time to consolidate my school loans Now that I know I was given the wrong information I wanting to know if there is any way that if I bring my payments to current and set up automatic payment with a checking account could these late payments be removed from my credit report as a good will gesture I know that its not an obligation or if this is possible but it would be greatly appreciated I do construction work and it is seasonal which that said XXXX to XXXX are the busiest months here in Ohio, I started to make payments in XX/XX/2018 and what I should have done is set up automatic payments so I would not encounter these problems please let me know if there is a possibility of this happening I have worked so hard to build my credit scores and to have it taken away without warning of the situation that was going to take place and this really hurt my lively hood witch would intern help me to take care of the loan I feel so terrible, please let me know thanks in advance I will also be updating my contact info so that I can receive nelnet alerts thanks in advance I am awaiting your reply
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (MI)

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX, XXXX. XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXXXXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2018-09-13
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. (MI)

I have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.
Consumer complaint received 2018-09-13
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. (MI)

I have disputed a bankruptcy with all three bureaus multiple times. A bankruptcy is reporting on my credit report and these bureaus have not investigated with the reporting agency to verify this inaccurate information.
Consumer complaint received 2018-09-13
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: Experian Information Solutions Inc. (TX)

You are reporting an inaccurate fraudulent account on my credit file that needs to be removed. I have warned you over and over again that the account does not belong to me and it is a result of identity theft yet you still continue to report this account onto the file you hold under my social. Attached is a letter stating that it should be removed from the company and them stating that they have requested you to do so. 

Please remove XXXX in the amount of {$260.00} from my credit file immediately.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

Please be advised that due to several financial off-set situations, I am facing to possibility of filing a Chapter XXXX bankruptcy petition. I purchased a home that I still own in the state of XXXX, but due to a serious family matter I had no choice but to move to the XXXX of XXXX. I have full intentions of moving back into my XXXX   home, but I can not do that until I resolve several financial obligations. Accordingly, I am requesting a forbearance on my mortgage for a period of six months. I am also requesting my interest rate to be reduced to a standard 2.5 % after modification. The forbearance will cease all payments while I prove my current hardship, and my game plan to work my way out of it. You will be faxed a full power of attorney from my law firm within the next few weeks, and this firm will handle all aspects on my financial restructuring. Therefore, I request a fair process under the modified Fair Debt Collection Practices Act of XX/XX/2014 to be applied to my rights. Under the provisions of this federal law, all threats of foreclosure must cease immediately, all threatening phone calls must cease, and an open dialogue must be opened while I fulfill this financial workout arrangement.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted the credit bureau several times and have sent in an FTC ID Theft Affidavit more than 3 times including next-day mail so I could have a tracking number to verify receipt. Yet, every time I call to inquire about the fraudulent information being removed, I am told that they haven't received the documents. I even faxed it in and received a confirmed successful fax transmission. I find it very hard to believe through the several different attempts that my documents have not been received. I believe the reps are not giving the attention the matter needs to find out the problem. And in the interim, my initial issue which is the fraudulent items on my account is not being addressed. By attaching the documents I sent in this complaint, I know it will be forwarded to the credit bureau and they can no longer deny receiving them.
Consumer complaint received 2020-02-04
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. (AR)

I was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX XXXX   XXXX {$3500.00}