davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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. (TN)

The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.
Consumer complaint received 2022-06-26
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)

I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXXhas violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (OH)

I submitted a verification of debt letter to the company, along with a copy of my driver 's license and they responded with a letter stating that my dispute was " frivolous or irrelevant '' and that I " did not provide sufficient information to investigate '' even though it included the first five digits of the account that is in question, my contact information, along with my signature for them to provide information. I have included a copy of my dispute letter as well as their response.
Consumer complaint received 2022-06-26
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. (TN)

The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.
Consumer complaint received 2022-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I was laid off due to Covid-related issues. I called Navient on XX/XX/2022, regarding my private loan and was told that I could put my account in forbearance until early XXXX due to my situation. I paid {$150.00} to put my account into forbearance. Then I called back in the first week of XXXX XXXX XXXX  and told them that I would be unable to continue paying for forbearance because I was still job searching and still unemployed. I asked them if I could get income-driven payments or receive any kind of support program due to Covid-related issues and they said no, that it wasnt even an option but that I had three months AFTER XXXX before my before my account became delinquent so I had a little bit of time. It is XX/XX/XXXX, not even a 1.5 months later, and I looked on my credit report, and my student loan accounts are delinquent. I looked over the fine print of the late notice that Navient sent me ; it says nothing about the DATE for which delinquency would start even though I was very clearly verbally given a 3-month window. ( I am pretty sure Navient has this conversation recorded for their records. ). Navient clearly does not care to give me options to help me during this difficult time, and they also gave me false information, and now it has very adversely affected my credit score.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following status is incorrect and incomplete XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/2022 XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2024-10-19
Product: Credit reporting 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)

RE Account Numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On XX/XX/22 I scheduled a payment in the amount of {$340.00} through the online system. The payment was debited from my checking account on XX/XX/22. The payment was never applied to my credit card balance. I contacted First National Bank Omaha to notify them of the discrepancy and on XX/XX/22 I was asked to provide proof of payment from my bank. I faxed the information and did not receive any update or response for two weeks. I called on two separate occasions and each time was notified that the Accounting department is not available because of the time of my call. When I called during Accounting department 's working hours I was informed by the representative that the payment batch is ready and will be applied. The first week of XXXX I received a notice dated XX/XX/22 stating that the misposting of my {$340.00} payment has been corrected and will appear on my next statement. When I received my statement the payment still did not reflect and the inflated balance. On XX/XX/22 I sent a secure message to the bank but still have not received any response. I checked my account online today XX/XX/22 and the payment still has not been applied.
Consumer complaint received 2024-10-28
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. (NJ)

I am writing to formally request that you block and delete the account listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Account : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX
Consumer complaint received 2024-10-24
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. (FL)

I am writing in response to THE decision to decline my fraud block request, as detailed in your letter dated XX/XX/year>. I respectfully disagree with your determination and would like to highlight that there is already a pending fraud case regarding this matter in federal court ( Case Number : XXXX ). The transactions in question are a direct result of identity theft, which has been clearly outlined in my case. 

Despite your assertion that the accounts reflect a history of payments or previous disputes, I have no knowledge of the transactions that took place after the identity theft occurred. These fraudulent activities were reported promptly upon discovery, and I have taken every step necessary to resolve the situation, including notifying the proper authorities. 

Furthermore, under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information blocked from my credit report. The rejection of my fraud block request, despite a federal case being open, does not align with this legal protection. I urge XXXX to reconsider this decision and take immediate action to block and remove the disputed information. 

Additionally, if this information is not blocked and removed within XXXX days, I will proceed to open another federal case. I am fully prepared to take further legal action to ensure that my rights under the FCRA are upheld. 

I will provide any additional supporting documentation, including court records, if required. However, I believe that the ongoing federal case is sufficient evidence to warrant immediate corrective action. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XXXX I have contact Equifax to remove all fraud alerts On XXXX I requested a credit from my annual credit report from Equifax after reviewing my credit report. I see a section on my report called " Credit File Status '' in this section Equifax as noted " Fraud Victim Trade Alert '' I have request statement to be remove. I also requested they unblock my file XXXX Purpose. Having this statement of Fraud Victim Trade Alert has given creditor that look my credit report to turn my down for credit. I also request for the explanation of this statement and what account they are referring to. I have also instructed them to add my contact phone number to my consumer file under personal information.
Consumer complaint received 2022-06-26
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. (IN)

As of XX/XX/2022 XXXX has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company XXXX XXXX. 

I am aware that XXXX is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. XXXX XXXX is disclosing my non public personal information to the Credit Reporting Agencies Experian XXXX XXXX Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX XXXX, XXXX, or Experian. 

I am aware that XXXX, Experian and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (TN)

I am writing to request that you consider removing the late payment from my dillards purchase m from my credit report. While I understand that I was late on my payments, I hope that you can see that I am a responsible borrower who takes my financial obligations seriously. I had end up sick & forgot that i bought the stuff i bought from dillards so i wasnt able to have money coming in to take care of the bill. After i was well I didn't realized the bill until i was reported on my credit report and took my credit score from high XXXX to a low XXXX. The late payment occurred on and XX/XX/ amounts of late payment XXXX, and I take full responsibility for it. In fact, I paid off the bill in full after i realized i was late when it hit my credit report. Im always good at paying payments on time. I have been diligent about making all of my payments on time since then. Having this late payment on my credit report has been a source of stress for me, and it has made it difficult for me to obtain credit when I need it. I am hoping that you can see that I am a responsible borrower who is committed to improving my credit history, and that you will consider removing the late payment from my credit report. 





In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-06-26
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. (IL)

These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX Date of birth : XX/XX/1990 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

Im accordance with the Fait Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.