davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent more than 7 letters to Transunion LLC - XXXX and XXXX  notarized and even certified letters and they still don't see to resolve these issues, list of accounts are below, they don't even have proof or documentations these accounts belong to me : XXXX XXXX : XXXX The account type is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX/XXXX  : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

XXXX : XXXX The account balance is incorrect, please delete. 

XXXX : XXXX The payment status is incorrect, please delete. 

XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The account status is inaccurate, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The account balance is incorrect, please delete.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Subject : Dispute of Violations of GLB Act, FCRA, and Fair Credit Reporting Act I am writing to file a formal dispute regarding the violation of my rights as a federally protected consumer by the consumer reporting agencies, namely XXXX XXXX, XXXX, Equifax, and XXXX. It has come to my attention that these agencies have breached the provisions outlined in the Gramm-Leach-Bliley Act ( GLB Act ), the Fair Credit Reporting Act ( FCRA ), and the Fair Credit Reporting Act 's Civil Liability for Willful Noncompliance .

Under the GLB Act, it is mandated that consumer reporting agencies safeguard personal information to ensure privacy. Unfortunately, the aforementioned agencies have failed to comply with the GLB Act, thereby putting my personal information at risk and compromising my privacy.

Furthermore, the consumer reporting agencies have violated the FCRA, particularly 15 U.S. Code 6801, which pertains to the protection of nonpublic personal information. As a result, my rights as a consumer have been compromised and I am experiencing direct harm, which is inhibiting my ability to establish good credit and acquire a rental property.

Additionally, the agencies have disregarded key provisions of the Fair Credit Reporting Act, including 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. Their actions not only demonstrate negligence but also a willful disregard for the laws put in place to protect consumers like myself.

Moreover, the agencies have violated 15 U.S. Code 1681a, which outlines definitions and rules of construction within the Fair Credit Reporting Act. By neglecting to adhere to these definitions and rules, the agencies have further compromised the accuracy and integrity of consumer reports, which has significant consequences for my financial well-being.

Furthermore, the agencies have failed to comply with 15 U.S. Code 1681b, which governs the permissible purposes of consumer reports. By unlawfully sharing or providing access to my personal information, the agencies have damaged my ability to establish good credit and secure a rental property.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these consumer reporting agencies. Additionally, I request that you take the necessary steps to ensure my personal information is protected and that the agencies are held accountable for their actions.

I am providing documentation evidence necessary to support my claims. I trust that the Consumer Financial Protection Bureau will prioritize the resolution of this matter in a timely and efficient manner to safeguard the rights and privacy of consumers. 



Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2020-07-31
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. (KY)

XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XX/XX/2015. In addition, they are reporting a balance due although they have already written the debt off.
Consumer complaint received 2023-08-12
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX  XXXX Balance Owed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-04-10
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. (TX)

Im accordance with the fair credit reporting act XXXX account # 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 XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

I spoke with XXXX in the consumer affairs division this past Thursday XX/XX/2016 about the XXXX point difference between XXXX ( XXXX score ) and Equifax ( XXXX score ). She gave me meaningless blather instead of any solid info. I 've been in finance for 30 years dealing with credit reports. it is highly unusual that a score varies almost XXXX points. Most Fico scores vary between XXXX difference max. I also told XXXX the information on both reports was IDENITICAL making the score that much more ridiculous. 

After speaking with her on XX/XX/2016, I checked my scores yesterday only to see my Equifax score drop another XXXX points since XX/XX/2016. There has been absolutely no change to my profile so I am once again baffled by how Equifax can be so far off. ( Picture Attached ) I have filed more than one report on this but the CFPB seems to be just another useless GOVT agency with all bark and no bite. Maybe the CFPB can tell me whats its purpose is because if you 're just their to forward complaints back and forth ... then your useless. 
Why does n't the CFPB DEMAND an explanation?
Consumer complaint received 2019-05-24
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. (GA)

Transunion is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2017-05-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

XXXX   XXXX   XXXX  represented by Credit Collection Services is attempting to collect monies that I feel are not owned. This company has changed the amount of the debt since my last communication with them. But this alleged debt is false. I have mailed documents to this company showing evidence of my position to no avail.
Consumer complaint received 2016-03-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (AL)

this account was originally a open end account lowes credit card and lowes uses GE money bank and was sold to attorney for collection dates where not verified with original credit holder and per the Alabama FCRA this is an open ended account and per statues 6.2.30 and 6.2.37, 3 years is the state of limitations my original confirmation number for this dispute with lowes ge money bank was XXXX
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (ME)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX, {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and found the following item ( s ) to be errors. I have contacted equifax in writing 2 times once on XXXX/XXXX/2016 & XXXX/XXXX/2016, they do not respond and have ignored my request for information investigation & deletion. They have never responded to me. 
1. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account No Account Name Account Number : XXXX Please remove it from my credit report. 

5. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I 've sent equifax proof that they are reporting a judgment and a bankruptcy incorrectly with information that does not even exist and they continue to keep it on my credit report. They continue to send me a letter saying something about public records stay on for .... I do n't care how long they stay on for. Unless they have the physical petition that shows the same exact information that they are reporting, then they are wrong and it needs to be deleted. they have dates that do n't even exist! Please see my report as well as my letters and proof in the attachments.
Consumer complaint received 2023-04-10
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. (NY)

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair C

redit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1

681b of this title. You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Consumer complaint received 2020-07-31
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. (CA)

I looked up my credit report and there was a information on it that I had applied for a loan for a house and I was wondering what has happened because I have not ever applied for any loans, ever. I hope that we can resolve this so I dont have anyone trying to establish any lines of credit in my name.
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have been operating under the assumption that I have been satisfying the requirements for the federal public service student loan forgiveness program. Several years ago I reached out to Navient to understand the eligibility of my loans to the program. They said I was eligble but had to wait until I made 10 full years of payments. Upon completion of my 10 years of service I submitted the paperwork only to find out that the way my loan was structured it rendered my loan ineligible for loan forgiveness. I understand now that Navient may have been intentionally misinforming or under informing customers about actions they needed to be taking in order to qualify for this. So rather than having the full balance of my loan forgiven I still have over $ XXXX in loans that need to be repaid. I feel Navient has been operating in their own best interest and not those of their customers.
Consumer complaint received 2024-03-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

SUNRISE CREDIT SERVICE Account Number XXXX Dear SUNRISE CREDIT SERVICE, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$240.00} to XXXX XXXX XXXX However, I am disputing this debt for the following reason ( s ) : SUNRISE CREDIT SERVICE is violating your consumer rights by using false misleading, misrepresentation and deceptive means. SUNRISE CREDIT SERVICE has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (OH)

I have a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax XXXX and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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, and XXXX XXXX  Plus there are about 100 soft inquries