davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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)

On XX/XX/XXXX I sent a Cease & Desist letter to XXXX XXXX ( CFPB Complaint number XXXX ) XXXX XXXX agreed to stop ALL Communication with me. I checked my reports and XXXX XXXX is still communication with me through a ( medium ) which pursuant to 15 usc 1692a the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I notified XXXX XXXX to hopeful get this error corrected. The lady was verbally abusive and stated they she didn't have to stop reporting the account because it's not communication ( Ignoring my constitutional rights ) granted to me under FDCPA Since this account is still reflection on my credit report XXXX XXXX is openly and violating my consumer rights.15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

My livelihood and PRIVACY have been infringed upon. XXXX XXXX has displayed Defamation of character and ruined my reputations with living and bank relationships. 

In the attachments you will find reference from XXXX  : XXXX to back up my claim and also indicate that XXXX XXXX has violated my constitutional rights granted to me as a Natural Person & consumer
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NV)

Issue # 1. Navient is charging illegal fees to me during the XXXX discharge process. This obviously needs to be stopped. # 2. Navient needs to be aware that XXXX may be reporting my last name incorrectly, and they need to communicate directly with XXXX to insure my application is being processed correctly and expediently. Including reading the attached complaint regarding my issues with XXXX so they can take action on their own to resolve issues with communication and potential clerical errors directly with the source. I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # 1. Got a notice from XXXX ( who obtained some but not all of my loans from Navient ) that my application for XXXX discharge is being delayed by XXXX because they spelled my name incorrectly. They wont communicate directly with XXXX, they said I have to. We tried, and XXXX refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # 2. Navient is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of Navient charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to XXXX multiple times, the XXXX branch of XXXX seeking help, and literally never even received a response. It is a disgrace.
Consumer complaint received 2022-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

the bank of America credit card was opened fraudulent. 
i had made complaint so many times to the company & yet they are not helping me despite knowing the card was opened fraudulent. 

the card has been charged off. 

This application was filed fraudulently & I know the person who is responsible for this. 

I have mentioned everything to the company but yet they have not deleted the report from my credit.
Consumer complaint received 2022-07-13
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. (HI)

This is my 6th attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/201XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (GA)

This is my sixth attempt to notify you that I am a victim of identity theft and I send a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items is DELETED from other bureaus, and I have doubts about the Bureaus ' accuracy, and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) the following unknown items must be blocked : XXXX XXXX XXXX XXXX Balance XXXX XXXX  XXXXXXXXXXXX Balance {$540.00} XXXX XXXXr XXXXXXXXXXXX Balance - 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 XXXXX Balance-
Consumer complaint received 2022-07-13
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. (PA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-02
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. (PA)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
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. (CO)

I submitted a letter to transunion to correct an error they are reporting on my credit report- they have yet to correct it or respond and this is a serious reporting error that is damaging my credit. 

Ive included the copy of my credit report showing thy are reporting an incorrect payment status on a closed/paid in full account. 

They need to correct the payment status to " PAID AS AGREED ''
Consumer complaint received 2023-02-14
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. 

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. 

Accounts in question : XXXX XXXX XXXX - {$76.00}, XXXX XXXX XXXX XXXX - {$290.00}
Consumer complaint received 2022-10-02
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)

I am a live single human being typing this narrative!!! 

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

XXXX XXXX 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 ACCOUNT XXXX XXXX Have 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.
Consumer complaint received 2022-09-19
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. (WI)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX ( Original Creditor : XXXX 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, Experian, and XXXX.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-11
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (CA)

Hello on XX/XX/XXXX I called OSLA to ask for a refund back and they put in the request for a refund since XXXX XXXX. I check today and I see that my loan balance is still XXXX instead of my refunded amount and I need updates
Consumer complaint received 2023-03-15
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: ALLY FINANCIAL INC. (GA)

I am writing this complaint to ALLY FINANCIAL. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (KY)

On XX/XX/2021, XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX XXXX came out to do a home check to see if we would qualify for Solar Panels. After telling us we qualified and rushing us through the contract process he left. Days later on XX/XX/2021, we received an email from Sunlight Financial saying they were our lender for the Solar Loan approved by XXXX XXXX XXXX XXXX XXXX XXXX. They sent us terms we never agreed to via email. XXXX XXXX XXXX used our Signature and Initials from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract on the Loan Application with Sunlight Financial without our approval or knowledge that it was even taking place. We never saw the information on this loan application such as annual income or marital status we have no idea what information was even put on it. Sunlight Financial gives me the run around, transferring from department to department telling me it is the Originations Department that handles this process, yet no one seems to have heard of that said department and will not send me a copy of the loan application I requested. After reading the terms I see the payment will increase automatically, this is another term we were unaware of and did not agree to. This lender is another fraudulent company working together with XXXX XXXX XXXX XXXX XXXX XXXX and using Predatory Lending Practices. 
XXXX XXXX XXXX XXXX XXXX XXXX has recently filed for XXXX  XXXX Bankruptcy listing us the customers as creditors on the public bankruptcy file. Leaving us and many other customers with faulty equipment, empty promises on the return rate of our solar energy ( paying double on bills as our electric bill has not lowered as promised ), warranties no longer valid, thousands in debt to lenders still seeking payment. Sunlight Financial needs to be investigated many Attorney Generals from several states are now filing class action lawsuits as well. The lenders involved including Sunlight Financial should be forced to stop all payments, issue refunds and this should not affect the customer 's credit history. 
We the people are seeking justice for fraudulent criminal activity. Thank you in advanced for your time
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Pine Court Holdings, LLC (FL)

My partner and I have been trying to close on a Mortgage since XX/XX/2022. Since day one process felt fishy. We encounter so many obstacles from lender. We tried to lock rates before they went up and the loan officer just told so many excuses to prevent us from locking rates. Then we learned that the same house we're buying the price went down as well as closing cost grant were raised. We spoke with the lender to see if we could match the new closing costs grant and match the selling price. We were denied by the XXXX XXXX division supervisor. But if we cancel the process, this home will be sell under new prices and closing costs. Never the less we decided to move on and complete the process even that this feels wrong and discriminatory. 5 months waiting to close and the house to be finished. Then the underwritter started to asking questions that was already answered since day one. Questions that impose we were lying. That the provided employment information about reallocation was a lie even when all the bank statements only had my employer direct deposits with the employer name on each deposit. We finally received in XXXX the final disclosure for the loan, which we signed. XXXX XXXX week before closing, they sent us a " revised '' new agreement with the monthly loan payment being raised. I've never felt so mistreated and discriminated in my life. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One week before closing they're changing everything just to make us walk away and not complete the process and lose the {$5000.00} deposit.
Consumer complaint received 2022-06-16
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. (GA)

On XX/XX/XXXX, XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 


Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt.