davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (TX)

THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXXXXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-03-04
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. (TX)

THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX Department, variety, local, regional, and national chains Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

I received a notice of rejection from XXXX XXXX on XXXX/XXXX/2020. I submitted for a freeze online and for my free consumer report that very same day. No luck or response, so I submitted again on XX/XX//2020. I also tried calling on XX/XX//2020 and they said they would contact me back in one business day. It is now XXXX/2020 and still no response or letter about my credit score or credit freeze. Please get them to freeze my credit score and send me my credit report.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (CO)

I received a notice that Debt Rec Sol for {$1300.00} opened on XX/XX/2018 and reported on XX/XX/2018. I have not opened any accounts for this amount and have no record of this company.
Consumer complaint received 2022-03-04
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. (TX)

THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. ALSO, WHY IS EXPERIAN BUSINESS RUNNING MY CREDIT? XXXX  AND EXPERIAN BOTH RAN MY CREDIT A LARGE NUMBER OF TIME???? XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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. (PA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-03-04
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. (AZ)

Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these XXXX attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both transunion AND XXXX and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?
Consumer complaint received 2020-06-05
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. (VA)

I have quite a few discrepancies with the Experian credit bureau. I sent out a 609 dispute letter disputing a few inaccurate information on my credit report on XX/XX/2020, and still have yet to receive any feedback from the Experian credit bureau, which is way past the 30-day deadline. To make matters worse, my XXXX  has me under a XXXX credit score as to my XXXX  reporting a XXXX credit score. Now when it comes to Experian, they are reporting a XXXX credit score, which is almost a staggering hundreds of points off from the other credit bureaus. Now I've reached out to Experian about the inaccuracy on my consumer report and was told I have to wait an additional 30 days ; then, I was hunged upon by one of their customer service representatives with a very unprofessional persona. I then reached out to a supervisor to make a formal complaint and I was verbally told the situation will be handled with no assurance. I then asked the supervisor about a dispute that was on my 609 dispute letter stemming back to XX/XX/XXXX she then stated she has no recollection of any disputes ever being made. I proceeded to ask about another dispute that was also on my XX/XX/XXXX dispute letter, and the supervisor miraculously remembers now there was a dispute for that particular item back in XXXX and will remain on my credit report which I never received results and was after the 30 - day mark.
Consumer complaint received 2020-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Corp USA (WA)

On XX/XX/XXXX at XXXX Pacific Time I called Consumer Corp/XXXX  and paid of my balance of {$1800.00} in full. I was informed at that time that a letter would be sent out to all three agencies that the account was closed and that they would also remove the late payments from the account. Today XX/XX/XXXX, I checked my credit report and I saw I am still showing all the late payments. I called XXXX back at XXXX pacific time and they are now telling me they can't remove them. However, they were the ones who said they would. I specifically asked them if they would remove the late payments from my account and they said yes. So this company lied to me.
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX account # has violated my rights. 

XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 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.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (TX)

Someone from XXXX XXXX XXXX called me on behalf of spectrum mobile and demanded for me to pay for a router that I got from XXXX  when I had them as my service provider. 

I have provided them a proof of my last bill that said all dues are paid and nothing is pending from me. No one from XXXX ever even called me to request the router back. 

When XXXX called me, I told them that I wouldnt pay what they are demanding however if they want I can return the equipment right away ( its of no use to me ), they rejected my request and a few days later I suddenly see they have negatively reported on my credit. This is how these people make money from unaware and helpless consumers. Please help!
Consumer complaint received 2022-03-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received your letter stating that you have stopped investigating my credit file because you believe I am using a credit repair company. You are surely aware that the Fair Credit Reporting Act does not prohibit me from using a credit repair company, nor does it absolve your from the requirements to investigate my disputed credit items. I want to make clear that I provided proper identification and also sufficient information to investigate the disputed information. I am within my rights to be granted the required investigation. By failing to investigate my account within the required 30 day period due to your irrelevant excuse, I consider you to be acting either willfully or negligently in noncompliance with the requirements of the Fair Credit Reporting Act. In good faith, I request that my original request for investigation be completed. 

Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Creditor : XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX BANK, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXXXXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on XX/XX/2022 I contacted bank of america credit card services to discuss the derragatory reporting on my credit report as well as request the reopening of the account. Bank of america refused to comply.BANK OF AMERICA has closed my credit as a result a result of adverse action. Adverse Action is defined in regulation as a termination of an account or an unfavorable change in the terms of an account that does not effect all creditors. Bank of America is in violation of 15 USC 1681m which states that any action that adverse to the interest of the consumer or their benefit is a violation. Bank of America is also in violation of 12 CFR 1026.11 ( b ) ( 1 ) which states that an account can only be terminated if the credit agreement determines that the open end plan has reached the stated expiration date. This revolving account has no expiration. The account was also not inactive. Bank Of America are also in breach of contract because they have are not performing their fiduciary duty to benefit me the way that I see fit, I have not benefited from a closed account nor have I benefited from negative information being reported to my consumers account. Fiduciary is defined as trustee owing a fiduciary duty with respect to an instruments. I signed an application that stated that I promise to pay a certain sum of money. When I signed the negotiable instrument ( UCC 3-104 ) which was an unconditional promise to pay Also known as the credit instrument and security Bank of America benefited and I did not. Bank Of America Failed to fufill their Fiduciary. Bank of America also reported late payments to Consumer reporting agencies without my consent which is a violation of 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. There is also no section of the Fair Credit Reporting that defines late payments. Bank Of America is also in violation of 15 USC 1666b ( a ) which states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding the removal of the reporting of late payments as well as the reopening of the account. They have also reported this account as closed to the Consumer Reporting Agencies. This account was not closed by me which means that Bank Of america has made inaccurate reports to consumer agencies as well made unauthorized activities on my account. This has had substantial impact on my finances. I have been denied credit countless times because of bank Of Americas unfair and abusive practices which I could not have avoided. Bank Of america is solely responsible for their actions. I have not benefited at all from bank Of americas actions.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act convergent account # has violated my rights. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 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.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (UNITED STATES MINOR OUTLYING ISLANDS)

Well I like to authorise the charges which I maid to Paypal. 

By mistake I complained before " I believe I ordered XXXX XXXX and XXXX XXXX  update form a technician upgrading my computer and gained access to all of my personal information because he is the technician and he used my debit card through Paypal to make the initial {$470.00} then I was billed within a week 6 or 8 more of those payments and they went through and Paypal doesn't want to honor their commitment to me as a customer. XXXX XXXX is sending me a fraud form to fill out because they are are gong to attempt to recover my funds. Paypal case XXXX. The Tech person his name is XXXX his phone number is XXXX XXXX XXXX XXXX. '' I like to authorized all the charges made by me to paypal. 

I know XXXX well and I like to cancel my complain for paypal transaction. 

Thanks
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE 13 INQUIRIES HAVE BEEN A ISSUE TO LONG AS OF TODAY, TransUnion HAS DONE A TERRIBLE JOB IN PROTECTING MY CREDIT REPORT PLEASE HELP REMOVE THESE TODAY
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

Account balances with Nelnet were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing 2 accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.
Consumer complaint received 2020-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

The student loans I acquire was with XXXX University which is currently under investigation for illegal student loan practices and funding for students. I have tried many times to get my students loans forgiven because of this and has been not successful. In my attempts to contact the student loan company I have been on hold for hours or the phone would disconnect. Sometime I keep getting switch between operators until the phone would just hang up suddenly. This is very unfair and unprofessional when I'm only trying to info on resolving my student loans and to see if they are eligible to be remove as debt.
Consumer complaint received 2022-07-24
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.