davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C (NY)

From or around XXXX of 2020 I sent a letter to a collection agency ( Kirscenbaum & Phillips, XXXX XXXX, XXXX, NY XXXX ) rep discovery bank pertaining to an alleged debt of XXXX. My letter stated that I never owed Discovery nor anyone else {$1600.00}. I also requested for them to send me any viable evidence, with my signature and for them to verify the alleged debt. I also informed them that a printout of a bill or itemized document does not constitute verification as per FTC opinion letter from Attorney XXXX XXXX XXXX. 

On XX/XX/2020 I sent a follow up letter to the above collections due to the fact that they never validated the alleged debt which is in volation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ). 

From or around XXXX of 2020 I sent a letter to XXXX XXXX XXXX XXXX requesting for immediate cease and desist from all attempts to collect from this unknown debt. Too date they have totally disrespected all laws etc and still haven't verified nor validated the alleged debt.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (PA)

I never received the documents to get my fair share of a resolution to the charges on my account. XXXX and {$49.00} to virtual downloads that did not work from XXXX XXXX. 
I was denied by PNC bank the never mailed me out any forms to fill out during the second time.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Loan was paid in full. I have the documentation to prove it! Email confirmation from the company itself stating that the loan was paid off, however, its still showing on my credit report as derogatory and in collections which is affecting my score!
Consumer complaint received 2019-04-24
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: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XXXX from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (NV)

There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.
Consumer complaint received 2022-12-03
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: ENCORE CAPITAL GROUP INC. (IL)

15 usc 1681 section 602 states I have the right to privacy 15usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as a late for any purpose
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION 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 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, I called transunion for the sixth times, for the last 8 weeks .... to dispute an account thats not reporting to my credit report which is XXXX XXXX .... but is reporting my to my XXXX and XXXX   ... ... so i asked them to update and report the account and they still haven't ... ... ..
Consumer complaint received 2022-07-09
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 XXXX XXXX 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 2020-11-18
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: Experian Information Solutions Inc. (GA)

I have submitted to Experian an FTC report dated XX/XX/2020 along with ID, utility bill, and letter from the creditor ( s ) confirming liability on fraudulent account ( s ) has been withdrawn. Experian representatives state that due to " internal policy '', they will not re-dispute or block fraudulent information that was previously verified. This Experian policy is a violation of FCRA since the creditors have confirmed removal of the account ( s )
Consumer complaint received 2022-07-09
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. (IL)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-10-12
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX BANK XXXX XXXX XXXX : {$3800.00}
Consumer complaint received 2020-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Consumer complaint received 2021-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NJ)

I am writing this letter to address the harassing behavior exhibited by Sallie Mae toward me and my family. They are a behemoth whove been enabled by the current economic and higher educational climate to intimidate and bully us well-meaning and patriotic Americans!!! 

Their threatening phone calls occur during all hours of the day starting at XXXX XXXX  and continuing unrelenting until XXXX XXXX  daily. AND even on Sundays! 

My sons XXXX and XXXX, as well as myself XXXX XXXX XXXX, are all cosigners for my granddaughter XXXX XXXX XXXX XXXX. The XXXX pandemic, as well as her hospitalization for health issues, as well as unemployment stemming from the challenging economic climate, led to her difficulty and delinquency trying to meet her student loan obligations. She is now working two jobs to help pay down her debt.

I am a senior citizen on a limited income from a career as a civil servant trying when I can to help her financially on occasion. This Sallie Mae is a coldblooded institution. Theyre trying to get blood from a stone from a responsible and conscientious young adult who is paying monthly and not seeing any results.

As far as the consequences are concerned from my perspective, at the start of XX/XX/2020I had a credit score of XXXX. It is now in the XXXX range, as is also the case of my sons XXXX and XXXX, whom also had exceptional credit scores.

Why cant they combine the loans, make it one payment so we can see where the money is going? Interests and fees!?!? Are you kidding me? None of us know where the money goes to or which account. They do not make it easy to understand their billing statements!!! I feel they are robbing these kids blind and they will never get ahead for years to come.
And us hard-working Americans who support our children are offered up as collateral damage so these corporate monoliths pad their fat wallers and leave our kids indebted to these thieves for life!

Hopefully Sen. XXXX XXXX can help with this problem, along with Congressman XXXX. I am imploring your help and expertise to really delve into the hidden numbers game, obnoxious and intrusive communication tactics, and predatory lending practices which exploit our youth who seek higher education to better themselves and society as a whole. 

Thank you for taking time to consider this matter, and I would greatly appreciate further personal dialog on this subject if you would be so kind! 

Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (TX)

I had been trying since the XXXX to open an account with them. Though I had never heard of them, I decided to give them a try since they are backed by BBVA and they offered free Business Checking.

I worked in XXXX  for 8 years and I know that they shouldn't be making assumptions when a person provides the information requested. I do understand that at times additional verification may be required but when it is and it is then backed by valid evidence, what is there left to assume? Therefore I sent the following email this evening after receiving another email saying that my actual office lease contract was not sufficient to prove my business ' physical address despite that being exactly what was requested as proof, " At this point ( NAMED EMPLOYEE ) and team, Your practices would seem a bit discriminatory in nature. All the information that you guys have asked for has been provided in detail previously. You should be able to see from any search that ( MY BUSINESS NAME ) is listed at the address provided, well established, and per the actual detailed leasing agreement that I sent over to your team, I do actually lease an office, just as I am sure XXXX and even BBVA themselves lease an office or facility.

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( likely an office building owned by a company where other businesses typically lease office space ) If it were a mailing service, at least with what I myself am accustomed to, it would not have a suite number but perhaps a floor number or simple address ... Seeing that it has been days, I would like to retract my application. Please delete any and all of my information as my request is now being fulfilled by another financial institution. XXXX, nor its affiliates or partners have my permission to use any of my information outside of due process in retracting my previous requests made. Thank you in advance. "
Consumer complaint received 2020-10-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

A complaint was filed on XXXX with regard to a student loan debt. NAVIENT replied on XXXX through this site and via USPS. in there response they were documents that had a electronic signature, but nothing was provided that had both parties name on it to constitute a contract or that full disclosure was provided upon the alleged contract. after this a letter was sent certified mail to NAVIENT XXXX XXXX. I have not heard a response to this inquiry. In this letter NAVIENT was given 14 days to respond and has failed to do so.
Consumer complaint received 2022-09-27
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. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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 an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the account 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Consumer complaint received 2020-11-18
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. (NJ)

Good afternoon I'm reaching out because you have Send me a notification via email confirming that XXXX XXXX XXXX account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) 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 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

1. XXXX, Account # XXXX 2. XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM Bus admin oda XX/XX/XXXX
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX. XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.