davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

unathorized use of my credit report by the companies listed below:

XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Millco Management (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERIFINANCIAL SOLUTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (OH)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. 

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX -account numberXXXX XXXX XXXX -account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX account number XXXX XXXX- account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX- account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX XXXX- XXXX Unknown account name- account number XXXX XXXX XXXX account number XXXX XXXX- account number XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX placed a missed payment negative history on my account. I do not currently do business with this company and do not have any missed payments. The account was opened in XXXX and was closed in XXXX. All offers iade to resolve the account were refused. They just popped it on my credit report without any reason or basis.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I've brought this matter to CFPB and XXXX bank before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX Bank has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (DE)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-05-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AZ)

I currently can not pay my loan to Navient and told them via phone. Theywere nasty and said I will pay them or else. I told them that calling meXXXX times a day wo n't get them paid, as I am not working, and am in theprocess of losing my house. They said they need to get paid and do n't care. 
I was instructed by an attorney to send a cease and desist letter to them, which I did. Today the calls began again. I was told by a Navientrepresentative that collections laws and cease and desist letters don'tapply to them. They do n't care what my situation is, and they will continueto call every day, all day, until I pay them. I recognize I have a loan, but Iam unable to pay my utilities or mortgage, and have to sell my home. Thereneeds to be some protections under the Fair Debt Collections Practice Actthat applies to student loans. I 'm told I can not even refinance them, or haveany help, because of it being a private loan and my credit score is nowfalling. There must be some protection available to consumers falling prey toharassment. I asked why I did n't receive a response to my letter, and theytold me it is in their system. I was read a statement that it does not apply tomy case ( FDCPA ), but they have neither sent me a copy or agreed to sendone to me. There are XXXX of people who have similar experienceswith Navient/XXXX XXXX that I found online. It 's time to stop them frombullying tactics.
Consumer complaint received 2022-10-06
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. (OH)

I've brought this matter to CFPB and XXXX XXXX  before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX XXXX  has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (TX)

I am victim of identity theft. The first initial identity theft happened back in XXXX of XXXX. I have filed multiple police reports first one will be XX/XX/XXXX, and XXXX of XXXX. I have not authorized any account to be open. I have took all necessary steps including placing a freeze on my credit file so that my credit file can not be open without my permission.
Consumer complaint received 2022-10-06
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. (NC)

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.
Consumer complaint received 2022-07-27
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. (MI)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2021-06-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (IL)

XX/XX/2020 Santander sold my account to XXXX XXXX. 

During this time Santander knew they were dealing with a multi-state Class Action Lawsuit for predatory lending. Furthering the actions that caused for them to be sued, in order to not have to pay out as much, it seems they sold my account to XXXX XXXX. The amount of the debt is {$10000.00} for a car that I no longer have, and have more than paid for in total payments within the initial contract. In lieu of clearing the deficiency, they sold the debt to a debt collector and paid restitution from the amount they received. Its very shady
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Account : XXXX These purchases were not made by me. My account was restricted and I received poor customer service when my account was abruptly closed. I tried to explain that my credit card had not been used by me for the purchases listed below : XXXX XXXX {$570.00} XX/XX/2022 XXXX : {$100.00} XX/XX/2022 Not only did this go unnoticed but I also tried to pay this and yet capital one still closed my account. I have
Consumer complaint received 2017-07-21
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. (PA)

XXXX XXXX XXXX, XXXX. XXXX XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
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)

To Whom It May Concern : I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX Credit Card for the month of XX/XX/2022, be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2022-10-06
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. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-05-16
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. (MI)

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EXPERIAN to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Financial of Columbia, Inc (SC)

I have a loan at First Credit in Florence and I have XXXX XXXX app on my phone which allows me to get alerts. This company ran my credit in XXXX for no apparent reason and I didnt give them permission. It was used because I wasnt answering my phone while at work so they took upon themselves to run my credit. Same thing happened to my Husband XXXX XXXX but they ran his 3 times within 5 months and this is not right
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have three issues with Experian that I believe in direct violation of my consumer rights. First. XX/XX/XXXX I disputed and submitted a formal request to investigate a list of hard inquiries that I did not authorize. XX/XX/XXXX Experian received the formal request ( enclosure ). Experian did not reply or remove any inquiries. It has past 30 days after receipt of the formal request. Second, Experian is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX states that the account in question expired XX/XX/XXXX. XXXX XXXX informed me to contact Experian ( enclosure ). Experian have been informed formally several times. Experian has reported this account 2 years beyond SOL years. I have formally disputed this inaccuracy to Experian several times. Third, I recently have been informed that there is a bankruptcy that has been maintained under my social security number. Experian was sent a formal letter disputing the bankruptcy. Experian was asked to validate there information and provide me with copies of any documentation. I formally requested the method of verification. Experian last updated the disputed inaccurate bankruptcy in XXXX I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus ( enclosure ). A formal letter was sent to Experian XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX ( enclosure ). Experian sent a letter stating bankruptcy dispute will not be investigated. We have previously disputed the credit grantor has verified its accuracy. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MI)

On XX/XX/18, I received a collection notice from Sunrise Credit Services Inc. stating that they are attempting to collect a debt owed to XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX around XXXX XXXX and they stated that I have no outstanding balance that would have been referred to collections.I called the collections agency and they refused to provide any information on the debt other than saying it was from XXXX XXXX XXXX XXXX. The representative that I spoke to refused to provide their name, refused to allow me to speak to a supervisor, and refused to allow me to dispute the debt. The creditor account number referred to on the collections notice is not the same as my account number with XXXX XXXX XXXX.
Consumer complaint received 2022-10-06
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-06
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. (NC)

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.
Consumer complaint received 2022-10-06
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. (CA)

Im accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 u.s.c. 1681 section 602 A states I have a right to privacy.

15 u.s.c. 1681 section 604 A section 2 also, states a consumer reporting agency can not furnish a account without my written instructions