davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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: Xtreme Products LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-06-27
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: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I pulled my credit report on today and noticed that there was an inquiry on my credit from Portfolio Recovery Associates without my consent. Ive disputed this company in the past with wrong information reporting on credit report and have asked this company to stop contact. The Credit Bureau had dropped this company from my credit report but they continue to make inquiries on my credit which results in denial of credit. I did not give this company permission to pull my credit and have not had any contact with this company in several years or since 2018. Theres no reason for this company to check my credit this month or since this account was disputed or out last contact of informing them to stop harassing years ago.
Consumer complaint received 2022-11-01
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

On XX/XX/2021, I received notification from my credit monitoring service of a new collection item added to my report by Eastern Account System. I performed a search to verify contact information reported, then originated a phone call to the collection agency to inquire about the item? The agent confirmed they are collecting account, I updated my address and ask them to send written validation about the debt as I am disputing it. On XX/XX/2021, I followed up with a written request via certified mail # XXXX. My certified letter was returned to me on XX/XX/2021. I still have not received any written communications about this debt. The collection account is currently reporting as closed with a full balance still owed, without validating the debt. Additionally, the agent did not provide me with the contact information of the original creditor.
Consumer complaint received 2021-10-29
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: Navient Solutions, LLC. (MI)

XXXX, XXXX and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.
Consumer complaint received 2021-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MI)

I sent in my employment certification form to get update count of eligible payments for my pslf back in XXXX. They sent me a response back in XXXX stating I was missing a signature which I wasn't. So I sent the form back again. I have called multiple times to see when it will be processed. They keep telling me that there is a delay and things are taking much longer. However, it is now XXXX so 6 months later I do not have an updated count. I worked for the federal government so I know the payments count. I would like an accurate count. I also need them to do a manual count of payments because there is some they missed in XX/XX/XXXX, XXXX to XX/XX/XXXX. Also for XX/XX/XXXX I paid a payment XX/XX/XXXX so they aren't counting it.
Consumer complaint received 2023-07-21
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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
Consumer complaint received 2022-06-21
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

My Coinbase account was compromised. Ive filed numerous complaints with them to only receive an automated generic email. Its been about 2 months and I havnt heard an update or anything. After looking online this is a reoccurring thing with this company and their customer support is non existent. Its almost like theyre stealing your money when your account is compromised.
Consumer complaint received 2023-01-20
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. (NJ)

On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have XXXX  over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the XXXX XXXX. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the XXXX day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. 

I am also attaching a letter from XXXX  XXXX acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

What happened I KEEPT GETTING ALERT FROM SIGHTS ALERTING ME A NEW INQURIRIES WERE MADE. I DIDNT APPLY FOR ANYTHING BUT TOOK ALOOK AND ALL THEESE INQURIRIES WERE DONE WITHOUT MY KNOWLEDGE. OR MY PERMISSION. companys that ran my credit without knowledge or permission : 1. XXXX on XX/XX/XXXX 2.dept of ed on XX/XX/XXXX 3XXXX  XX/XX/XXXX 4. XXXX XXXX  twice on XX/XX/XXXX & XX/XX/XXXX 5XXXXXXXX XXXX XX/XX/XXXX 6.XXXX  XXXX on XX/XX/XXXX 7.XXXX XXXX  on XX/XX/XXXX 8. XXXX XXXXXXXX af on XX/XX/XXXX 9. XXXX  ran twice on XX/XX/XXXX 10XXXX XXXX on XX/XX/XXXX 11. XXXX on XX/XX/XXXX 12. dept of ed on XX/XX/XXXX 13.XXXX XXXX on XX/XX/XXXX 14. XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2023-04-18
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX and XXXX have both violated my rights. 15 U S.C 1681 section 602A. States I have the right to privacy. 

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






XXXX XXXX XXXX XXXX XXXX XXXX Collections- summary XXXX XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX {$710.00} XXXX XXXX Last Updated XXXX, XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$580.00} Credit Limit {$300.00} Credit Utilization 196 %
Consumer complaint received 2023-01-20
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. (NJ)

Hello, I am reaching out to you because have been overlooked in a recent NJ class action lawsuit against Navient for New Jersey student loans borrowers. I had Navient as a loan servicer for the last 10 years. The Attorney General XXXX of New Jersey sued Navient for restitution in the case where it was determined that deceptive trapping and/ or deceptive, misleading tactics by the Student Loan Servicer were carried out. I have a loan in the amount of {$71000.00} ( Split into two types of loans XXXX XXXX XXXX XXXX XXXX ) the original loan started at {$20000.00} and I was advised by Navient to continually put my loan into forbearance for years going back to XXXX approximately. I read the FAQ 's for the AG lawsuit that the loan will be wiped out for all NJ borrowers from Naviant by XXXX XXXX Mine has not gone away yet. It's now XX/XX/XXXX. I even wrote the NJ Attorney General XXXX about this in hopes that I would not be passed over some how, however I did not get a response yet. I also contacted the Navient Settlement administrator, and they wrote me back claiming they have no record of me in their system. This is a lie, and I am being cheated. I get calls from navient currently about servicing my loan so there is no way there is no record of me. This debt has affected and plagued my life in every way. I have struggled every time when trying to acquire a credit card, a car loan, and even when attempting to purchase a first home. My credit score has suffered immensely, and in all phases of my life, I have always suffered from higher interest rates and or had to put up my own money in cash for a secured credit card. Any time I had to buy a car I would not get approved for a loan and I would have to pay a lot of money up front just for a chance to get approved for a high interest loan. That is not how it's supposed to be for a working-class citizen and a XXXX XXXX  XXXX 
Here is the link to the Attorney General article. I am demanding that Navient immediately clear my debt as I was involved involuntarily in their plot for run up loan amounts with high interest rates. I fall into this category of borrowers that the Attorney General mentioned. I have my loan documents and recorded calls to prove what they ( Navient ) told me. 
XXXX XXXX XXXX
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

" Conns XXXX Inc '' has reported false and inaccurate information to the credit bureaus with claims that I owe a debt of {$3300.00} on the date of ( M/Y ) XX/XX/XXXX along with the false and inaccurate claims that I've opened an account with them on ( M/Y ) XX/XX/XXXX. I have never owed such claimed debts to Conns XXXX Inc. 
Conns XXXX Inc has no records or supporting proof that would link me to such debt. Conns XXXX Inc is unable to provide any proof beyond a reasonable doubt that would link me to this account they are reporting to the credit bureaus. 
In addition, Conns XXXX Inc is knowingly reporting an inaccurate address that I've never lived at, that is in a completely different state than what I do live in. 

Conns XXXX Inc has received an Identity Theft Report in XXXX of XXXX and as of XX/XX/XXXX has multiple FCRA VIOLATIONS. 
Each of those violations will be pursued in State Court.
Consumer complaint received 2022-07-11
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. (NV)

n 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
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Overdraft FEES. 
2nd Mortgage. 
Prepaid Credit Card Fees. 
I've been with Wells Fargo since XXXX. 
I've been charged numerous overdraft FEES over the years when I've specifically told them NOT to pay if the funds aren't available. 
I had a prepaid credit card in XXXX that was charged way too many fees even though they had my cash to secure the card. 
My second mortgage was foreclosed on erroneously in XXXX. 
Refund {$340.00} in overdraft FEES and interest into my account.
Consumer complaint received 2024-09-05
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. (NJ)

I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving them.
Consumer complaint received 2023-07-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have had a freeze on my credit with all 3 agencies, In XXXX I get an alert that a derogatory remark appeared on my transunion credit report from XXXX & XXXX XXXX for {$200.00}, it says the account was opened on XX/XX/XXXX and is in collections. I have no knowledge on this account, in addition how is it in collections already if the account was just opened on XX/XX/XXXX and how was any account opened in my name if I had a freeze on my credit at that time. 

Transunion is the only credit agency that has this item showing on my credit report. 

I am looking to have this item removed from my credit report.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S C 1681 section 602 states I have a right to privacy. 15 U.S. C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. C 1666b a creditor can not treat a payment on a credit card account under an open-ended consumer credit plan as late for ANY PURPOSE. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report XXXX XXXX XXXX  Equifax CRA Acct # XXXX - Transaction history reporting on consumer report I DEMAND that these accounts be removed from my report due to privacy violations along with civil liability for the violation of my privacy.
Consumer complaint received 2022-08-02
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. (NJ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (AR)

To answer your question, I was denied an extension of credit once I submitted the consumer credit application to obtain a vehicle. 
As you may know it is against federal law in accordance with Equal Credit opportunity Act to proclaim an adverse action against a consumer. Pursuant to the 15 usc 1691 ( c ) and you assume civil liability pursuant to 15 usc 1691 ( k ) XXXX XXXX has violated my federally protected rights.

If you had such permission and or permissible purpose who gave it to you? 
Your corporation is in violation of 18 usc 1028 ( 7 ) 15 usc 1691 ( c ) 15 usc 1691 ( k ) 15 usc 1681 ( m ) 12 cfr 1002 Since the letter you sent me dated ( XX/XX/2022 ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( XXXX XXXXXXXX ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.