davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (FL)

I asked the credit bureaus to do a verification of everything on my credit report and they did and stated everything was accurate and VERIFIED. I did research myself and found improper Inaccuracies to my credit report even after they did a research on my credit report. 

Name of Account - XXXX # XXXX Name of Account - XXXX XXXX XXXX # XXXX Name of Account - XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXXXXXX account # XXXX has Violated My Rights. 

In accordance with the Fair Credit Reporting Act XXXX account # # XXXX has Violated My Rights In accordance with the Fair Credit Reporting Act XXXX account # XXXX has Violated My Rights. 

15 U.S.C 1681 Section 602 A : States I have a 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 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NJ)

On XX/XX/XXXX I received an attempt- through US mail to collect a debt from a debt collector Online Information Services XXXX If I wanted to dispute the debt there was a piece not he bottom I could detach and return. I did so. The XX/XX/XXXX I received 2 separate pieces of mail both from Online Services. The one had the said invoice from XXXX XXXX XXXX it had my name with a Texas address. I live in NJ and never have lived in Texas. The other piece of mail was a fraud packet in which wanted me to complete as well as include copies of my photo ID and social security card. This was concerning, so I contacted XXXX XXXX. 
I first spoke with customer service representative XXXX, who confirmed the account and told me I had to be transferred to a Tier 2 representative to further assist me with the issue. I then spoke to XXXX. He told me I would need to complete a police report and go to XXXX- which because of the nature of the fraud- directed me to you- the consumer Financial Protection Bureau XXXX
Consumer complaint received 2022-02-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

My student loans have become astronomical in the amount owed. My student loans are literally out of control. They have grown so large through fees and interest, I believe, that they are unmanageable. When opening our recent mortgage a lender commented that there was something wrong with the accrued balances on my loans, how they went from 125,000 to around 175,000 in a short time. I have been able to get the income driven payment option in the past but before the current Biden plan Navient was no longer allowing affordable payments even in the IDR. These loans have literally ruined my credit score. I am no longer able to apply for even a minimal credit card. My husband has to have all our loan needs in his name only. What would I do if I was not married? I would be totally screwed/stuck/without options. I pay ALL my bills on time and my credit is destroyed! How can this be? How is it that I owe this much money when my actual tuition/fees were far less than this balance? How is it legal to charge so much interest and fees that the student loan is like a car loan or house loan??? What is the difference for education or not when after getting a degree you can not get ahead because it ruins your credit! I asked Navient for an explanation of why my loans are so much larger now and they said they would get back to me and never did. There is no explanation from either servicer ever and no way to escape this destruction as student loans are untouchable by an legal means! A banker offered to look into it for me as even he was befuddled over the amount owed. It's insanity. I'll never escape it unless someone helps me with this.
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (OH)

I contacted XXXX XXXX, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance, and ask I only be contacted, via USPS Mail, and XXXX XXXX, cease communications. XXXX XXXX, received my request, XXXX, XXXX, XXXX. 

Then on XXXX, XXXX, XXXX, I was contacted by a XXXX XXXX, with Alltran, in regard to the above referenced account, who left a voicemail message on my telephone, in spite of requesting this debt be validated within thirty-days, and XXXX XXXX, cease and desist communications regarding this alleged account. 

I never received any mailings in regard to my dispute within thirty-days of my request. 

Please see the attached documents ( validation letter ), receipts, and voicemail recording from XX/XX/XXXX.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Equifax continues to report 4 accounts from XXXX XXXX that have been removed completely from my other two credit reports XXXX and XXXX. These need to taken off!!! 

XXXX XXXX {$120.00} XXXX XXXX {$120.00} XXXX XXXX  {$110.00} XXXX XXXX  {$120.00}
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK (GA)

I spoke with XXXX XXXX with Freedom Financial on XX/XX/XXXX regarding a settlement that was offered on my account. It was agreed that the settlement would be for {$7500.00} paid in two installments and the dates were XX/XX/XXXX and XX/XX/XXXX. It was explained to me once the final payment had cleared I would receive a letter stating that it is settled and my credit report would be updated. Since XX/XX/XXXX I have been trying to reach out to them but have been getting the run around and sent to voicemail and no return calls. My account does not reflect the payments and a few representatives I did speak to said they see the notes about my settlement and it should be settled shortly, but when I call back days later no one seems to be able to help me.
Consumer complaint received 2022-07-12
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. (LA)

In accordance with the Fair Credit Reporting Act, the following accounts 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. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  ( CLOSED ) xxxxxxxxxxxx XXXX XXXX  XXXX  ( CLOSED ) xxxxxx XXXX XXXX XXXX XXXX XXXX CLOSED ) xxxxx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-06
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXXXXXX   XXXX {$400.00} XXXX  XXXX {$300.00}
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Updated : XX/XX/201XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXX  Balance Owed : {$3600.00}
Consumer complaint received 2020-07-06
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXX/XXXX   XXXX {$400.00} XXXX  XXXX {$300.00}
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 2020-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BMO Bank, N.A. (IL)

I received my direct deposit to my bmo account and could never log into my bmo account. I called the branch and they told me my account was under investigation. I asked for dates to check back and was told no timeframe. I reached out to the bank again a week lsyer abd still received no answers and I was transferred to a line that hung up on me. After numerous tries of reaching out for communication Ive finally given up. I havent been contacted by this agency and they still are holding my funds from my unemployment. Ive been told I was gon na receive help. I was told I would be able to go to a branch to get my funds out. I was given the direct number to the security and fraud deidrtment to speak with a XXXX. But Ive called and left numerous voicemail fir consecutive days ( 2 ) and its XXXX I still cant receive my unemployment funds as this has been a tough time already. Im asking this bank be prosecuted to the fullest extent because this isnt the first time their keeping my funds from me and I would like all the intrest that theyve gained from holding my money illegally and to have them sanctioned and all consequences imposed directly to their organizations as a whole. And I would like to b compensated for my emotional stress, my incinviences, and for my overall unsatisfactions with this company. Please.
Consumer complaint received 2022-06-22
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. (FL)

An accordance with the Fair Credit Reporting Act 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

I don't know where this came from. I have been using XXXX for the last ten years. This is some new report from XXXX. I researched that it is an internet provider. I have not ever used this service before. This is the result of identity theft obviously. I will not be paying this as it is not my debt. It needs to be removed immediately.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Consumer complaint received 2020-05-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc. (TX)

Around last month, I called this so called NCB Management since I had a miss call from them. They asked me if I could verify my name and social security. Before giving any of my information, since my SS was stoled and recently got it around XXXX of last year. They gave me their information and I told them I would look into my email if I had any information regarding their company and who they were working work. And the person who I was speaking to very rudely said okay, and hunged up on me. 

FYI : I had not receive any letters from this company whatsoever.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (MN)

I reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX CT XXXX XXXX ACCT # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Their is a US Bankruptcy XXXX XXXX XXXX on my credit file. In XXXX of 2022, I asked Equifax to do a reasonable investigation. EquiFax did not provide me with any results to the investigation. I recently submitted another request for a full and reasonable investigation. I asked EquiFax to provide in writing the results of the investigation by us mail. I did not receive the results by us mail. What I did receive was a email with alarming information. EquiFax receives it's verifiable bankruptcy information from a third party vendor. This violates my rights as a consumer. According to the FCRA, all credit bureaus must verify Bankruptcies from its original creditor. EquiFax verifies its information with XXXX. Both, Equifax and XXXX admit to working in conjunction with each other. This why EquiFax didn't provide me with a proper investigation as I requested. They can't provide a written proper investigation, because they must contact the original creditor. I have contacted the original creditor ( XXXX Bankruptcy Courts of XXXX ) they do not report or verify information to the credit bureaus or any agency. 

I have a letter from the XXXX XXXX XXXX  of XXXX proving Equifax has been violating my rights as a consumer. I have a letter from EquiFax stalling by sending me a letter to verify the information the already have, because I provided them with my request to investigate. I have a email from EquiFax not providing proof of the investigation, but admitting to using a third party vendor for verification purposes. I also have a letter from XXXX proving they provide Equifax with information as a third party vendor for bankruptcies. 

Inconclusion EquiFax did not provide a full and reasonable investigation. They have been refusing to provide upon request, how the information is proven to be accurate.
Consumer complaint received 2020-08-06
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. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 INQUIRIES : XXXX XXXX XXXX   XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX |  XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Consumer complaint received 2020-07-06
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. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-05
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. (CT)

In XXXX of 2019 and also XXXX of 2019 i sent letters from XXXX  and also XXXX  XXXX about inquiries which didnt belong to me to transunion yet they are still on my credit report