davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (RI)

i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-28
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. (SC)

My name is 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 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Applied for XXXX XXXX  XXXX. Fed loan servicing is returning repeatedly application. I have been submitted my employment verification once a year for ten years, I have worked for 29 years as a XXXX XXXX XXXX XXXX XXXX XXXX. At this point, I have never received a response as to why they are ignoring my application is rejected,
Consumer complaint received 2022-03-15
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: AMERISAVE MORTGAGE CORPORATION (TX)

On the morning of Tuesday XX/XX/2022 I attempted to check rates via what was advertised as a soft credit pull with Amerisave home mortgage. There was an issue with the soft pull so I telephoned the help line and asked to reset the process so that I could try again online after I lifted a lock on one of my reports. The customer service person looked at the information and after a few minutes said he could look at the rates I requested and go over them with me. Unbeknownst to me he must have done a hard credit pull which is now showing up in my credit report. 

I believe that this is unfair and a bit dishonest as they mention several times that the initial credit pull is soft and would not affect my credit. I would never have requested a hard pull as we are in the process of closing on a home and this sort of inquiry could affect my underwriting process.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Credit Reporting Agency has been continuing to violate my Consumer Rights as well as the FDCPA. I sent them a letter regarding the entry reported on my credit report under US DEPT OF ED on XXXX, 2021. Then on XXXX XXXX I wrote Experian a follow up letter reminding them that they have Violated my rights as well as Federal Law.
Consumer complaint received 2022-03-15
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. (DE)

On XX/XX/2021, I noticed that the social security lien was still reporting on my Experian credit report. I didn't notice before because Experian is the only reporting agency reporting the old social security account. 

On XX/XX/2021, I mailed a letter to Experian letting them know that this information was not correct. I received no response. 

on XX/XX/2021 I mailed a second letter letting Experian know that the social security account was not supposed to be on my credit report due to a mistake. I even mailed Experian the letter the social security administration sent me clarifying that it was not my fault. I received no response. 

On XX/XX/2021, I wrote a third letter letting Experian know that I haven't received a response and this can't be right. I then received a letter from Experian stating that my investigation could not be complete and that the social security account will remain on my credit report. 

It seems as if Experian didn't even investigate because the letter from the social security administration states clear that the account was not my fault and shouldn't go against my credit report.
Consumer complaint received 2019-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (IN)

I was formally enrolled in XXXX University online from XXXX to XXXX. I used my GI-Bill to pay for classes while enrolled. Recently I applied for a home mortgage loan, the loan officer called me about a debt in collections. the name of the company in collection is Cedar Financial based out of California. they stated I had a outstanding balance with XXXX University. I called XXXX University and asked them how diI owe them money since I have not been a student there since XXXX. They stated that I signed a agreement to attend class on XX/XX/XXXX, and in XX/XX/XXXX I sent a email giving my permission to enroll me into class. I explained to them that I did not enroll in class because during that time I was Coaching High school basketball, working Full time and going through a divorce. XXXX told me that the balance is correct. I called Cedar Financial to explain the situation and ask why I did not receive any phone call or letter in the mail for the debt. they could not answer my question because the record on file was not updated. this situation is threatening my purchase of a home for my family. I never enrolled in class, I never receive books for class, and I never logged into class at all.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Between XXXX, a hard credit check inquiry was performed by Capital One without my permission. I have not applied for any credit cards. I would like this to be investigated and removed from my credit history. 
Thanks, XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

Hello My name is XXXX XXXX and chase bank credit card services forcing me to pay {$870.00} which are charges that I did not authorize. I was qualified for XXXX XXXX program and there were some charges that I don't recognize. I reported them as fraud and they are still asking me to make a payment. Please help
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-03-05
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. (TX)

Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. XXXX, Transunion and XXXX claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out XXXX  that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX THIS ACCOUNT IS REPORTING A 30 DAY LATE XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORITNG A 30 DAY XX/XX/XXXX XXXX
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (MA)

I noticed an inquiry for XXXX XXXXXXXX back in XXXX, I called XXXX XXXX and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.
Consumer complaint received 2022-03-15
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. (MA)

In accordance with the fair credit reporting act XXXX  XXXX BANK XXXX. [ Account # XXXX ], XXXX XXXXXXXX BANK [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS
Consumer complaint received 2021-07-25
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: NAVY FEDERAL CREDIT UNION (GA)

.NAVY FEDERAL CREDIT UNION DATE FRAUD BEGAN XX/XX/2017 {$5000.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an inaccurate 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 Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the fair credit reporting act XXXX XXXXXXXX BANK XXXX. [ Account # XXXX ], XXXX XXXXXXXX BANK [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.
Consumer complaint received 2021-06-13
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. (SC)

Transunion, This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {XXXX} for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a XXXX} fine per violation. 
Items to be deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CT)

MY Mortgage was sold to BSI on 1XX/XX/2021. I received a delinquent notice from my City Tax office seeking property tax payment as BSI has not pay the property taxes. I sent the company an email notifying the collection notice and seeking a call back. I received a password protected letter from BSI only stating that this was an attempt to collect a debt rather than paying the taxes that they owe. I am seeking your advice and intervention in this matter.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act, XXXX XXXX # XXXX, # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/21 and XXXX. XX/XX/21 ) - IGNORED/NO RESPONSE. The XXXX letter involved account showing multiple inconsistencies. XXXX letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! XXXX letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... XXXX have now taken it upon themselves to change the status of this account from charged off to open!