davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Dear Experian, on your respond you indicated that ( The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time. ). I have contacted to the creditors and they have send to you ( Experian ) and to me a letter that they removing the hard inquiry, but somehow it is still, and shows on my credit report. 
Also, I am requesting that you open on dispute on hard inquiries for other creditors that they pull my credit without my authorization. Again, creditors who have access my profile and make a hard inquiry I did n't authorized them to do it, that is why I 'm requesting you to remove and or delete from my file. Now I am requesting from you Experian to send me a proof that I authorized this hard Inquiries listed on my letter. 
Moreover, see attached letters from banks, that they send me and send you Experian, to remove inquiries from my credit file, but the inquiry is still showing on my credit file, from XXXX, XXXX and XXXX. 
Now Dear CFPB, this agency ( Experian ) telling that they providing accuracy but looks like they not, we have actual letters from creditors and they still playing with me. I really mean it if this time they not going to honor this my request and remove this inquires I will move forward and make a legal action.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$270.00}
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-10
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. (NC)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

Nelnet have not remove the late payment that was not correct on my credit report from when I put my student loan in repayment. They gave me 5 late payment for the amount owe on my student loan. Im trying to remove those from my credit file and also negotiate my debt to be paid off.
Consumer complaint received 2022-02-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Summit Horizon Financial Services (CA)

Company has been calling me since XXXX of last year and potentially beforehand. The have been using an auto dialer and call multiple times using different numbers even after i block them. I was eventually able to get some information from a representative. The were claiming to be from Student Loan Forgiveness Services and that they worked with the department of education, that I was supposed to have received an email, then they said that my FAFSA account was locked and they needed my password and username to unlock it, I was a little confused but refused to provide my password however they were able to get my password reset. They tried to get me to finalize some sort of forgiveness plan agreement that was supposed to be through the FAFSA website. However when I asked for an email and company name they refused to provide one. However with the help of another individual through a conference call, by calling them back using a number that was provide for their " senior loan servicer '' i was able to get their company name and address. This was the most recent communication with them. I have previously hung up, blocked them, told them not to call me, and have been on the Do Not Call Registry since 2008. The have at least three reports on the XXXX website stating that they have defrauded people. They are calling my cell phone and I have never solicited their business or asked /given permission for them to call me in any way.
Consumer complaint received 2018-04-29
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)

XXXX XXXX XXXX XXXX has been taking money directly out of my work check for several years but they have been reporting to the credit bureaus late payment history and it's hurting my credit rating.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account name : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer 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.

15U.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. 

This is improper use of my credit on XX/XX/20XXXX XXXX account shows as a " Derogatory Account '', on XX/XX/2024 it's showing as an " Improved Account '', and then on XX/XX/2024 it's showing as " Delinquent Account '' I need this account from removed from my credit within 30 days or less as these inaccuracies are stopping me from getting a house for my family.
Consumer complaint received 2022-03-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I started writing letters to XXXX, XXXX, AND TRANSUNION ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

Please update and remove these accounts immediately! 

My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX. I am not affiliated with the following addresses. Please remove from my credit report immediately. 

- 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  My employer is XXXX. Please remove XXXX XXXX XXXX XXXX. 

Per 15 U.S. Code 1681B, 1681C-1, and 1681C-2, the following collection accounts are violations of the Fair Credit Reporting Act. Please remove the following collection accounts. immediately. 
- DPT EDXXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) o These loans are showing 90 days late and greater. However, the previous month are on-time payments. Please remove these accounts since it is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX but 30 days late on XXXX and XXXX. Please remove. 
- XXXX ( XXXX ) o Please remove all late payments. I have never made a late payment on this account. 
- XXXX XXXX ( XXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX XXXX XXXX but 30/60 days late on XXXX. Please remove. 
- XXXX ( XXXX ) o It shows on-time payments on XXXX and late payments on XXXX. I have always made on-time payments on this account.
Consumer complaint received 2022-03-14
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. (PA)

I have been disputing bankruptcies with Transunion, XXXX and XXXX and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the XXXX major reporting agencies Transunion, XXXX and XXXX that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TX)

On XX/XX/2022, requested a status update on a few disputed transactions for items not received from merchants I have open with them which have gone way over the 90 day completion date 2 days ago. On XX/XX/2022, I woke up to an email stating my account is restricted and requesting a picture ID and proof of address, which was sent over an hour after receiving the email. The email stated stated it was due to " recent suspicious activity '' on my account, which this bank will not tell me what suspicious activity. I only use this account for direct deposit of my employment checks and everyday purchases such as food or bill paying. I truly believe my account was restricted in retaliation to me asking about those disputes that had not been resolved after over 90 days. I think this was done just to give them more time to stall with the disputes. All of the money I currently have is in this account and I am unable to take care of my basic human necessities or pay bills because I can not access my funds it is going on day 5 of the account being restricted. They have no customer service phone line and do not respond to emails.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (MS)

I purchased a car on credit through Compass bank or better known as BBVA in XXXX of 2019. I have always paid my note ahead of time. I paid my loan up for 6 months and still made on time payments every month. Apparently, PNC bank purchased BBVA at some point and I had no clue until I got a bill that looked unfamiliar. So I called them and the lady explained that transition had happened and that I am behind on payments with them. I explained that cant be so and asked her to check financials of bbva to confirm. She said she didnt see any payments and that prompted me to ask, did I have a contract with them stating that I owe them any money at all. She said no, we dont have paperwork saying you owe us, we just simply purchased the company and took over the files. I asked, how did you get all this information on me but didnt get my payment history. She said we have what bbva gave us, which was inaccurate. I immediately went to the app to show her proof but bbva had wiped my account out. So I then asked for proof on paper that I owed them. I asked her to validate the debt to be sure Im paying the right people and to ease my mind before I pay someone whos scamming. I never received any documentation proving wholeheartedly that I owe them ( PNC ) anything. No contract in place at all and I feel like I wasnt in the wrong for confirming who Im paying and why before I did. After not proving anything, 3 months later, they repossessed my car at XXXX which is against the law as well. They never sent me a notice saying it was out for repo which is against the law on top of demanding money with no contract in place which is against the law. They did not follow common law nor consumer law so I feel like I should make an example out of this situation legally.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-04
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. (NY)

this complaint is from me a person XXXX XXXX is my name. this is not a complaint written by a company this is a serious complaint and should be treated as such. 
so I found out that I have accounts that i never authorized or agreed to. these accounts are in a report filed to the credit bureaus but they never removed the accounts.