davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
As the original creditor, I demand : Account # XXXX XXXX  XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX NCB ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Otherwise, this will cause greater damage.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ONCE AGAIN THIS COMPANY HAS VIOLATED MY RIGHTS I HAVE SENT THEM THIS COMPLAINT MULTIPLE TIMES AND AT THIS POINT ITS HURTING MY CHANCE OF PURCHASING A HOME. THEY ARE IMPROPERLY REPORTING ITEMS ON MY CREDIT REPORT THESE ITEMS NEED TO BE DELETED ASAP. I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. XXXX IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW DELETED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX. XXXX. - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXXXXXX DEPT OF EDXXXXXXXX XXXX DEPT OF EDXXXXXXXX XXXX DEPT OF EDXXXXXXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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. (NJ)

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place Equifax is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given Equifax written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Equifax is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given Equifax written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Delaware XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account Number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Delaware XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (IA)

RECENTLY NOTICED A NEW COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS NEW XX/XX/2023 THAT I AM NOT AWARE OF AND DISPUTE THE ACCURACY OF THIS DEBT. I HAVE NO RECOLLECTION OF THIS ACCOUNT WHATSOEVER. PLEASE INVESTIGATE AND REMOVE FROM ALL 3 CREDIT BUREAUS. THANK YOU
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-10-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CT)

In 2007 I had taken out a home equity loan in the amount {$100000.00} at a interest rate of 7+ % over a 30 year term at a {$690.00} per month payment. I still have my first mortgage, which is through the same bank, Citibank, which I am paying approximately {$1100.00} per month. I 've been trying for over a year to gain a modification from Citibank, because I am now XXXX years old, living on a fixed income. I 've suffered a XXXX over a year ago and had to let go of my second job, which limited my income drastically. My wife whose XXXX income is less than {$8000.00} per year is not able to assist me. This is my second time around in applying for a modification with Citibank, but they keep giving me the runaround, asking for the same documents repetitively. I feel they have no interest in helping me modify this mortgage. As a XXXX, I am requesting the CFPB to help me in getting this modification accomplished.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXX XXXX XXXXXXXX Late Payment Account XXXX UNIV XXXX Charge Off Account US DEPT ED XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  MO XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you. 

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC (VA)

XXXX of XX/XX/XXXX I contacted Jormandy, a debt collection company I have been paying {$100.00} a month since XX/XX/XXXX for a balance owed of {$15000.00} to XXXX credit card. I asked for a deferred payment for a couple of months since I am not working and depend on my husbands income and according to my records my balance due to Jormandy is {$770.00}. My husband is in real estate and the situation with selling buying homes has left us borrowing money to pay the bills. My only income is my Social Security of {$1500.00} a month they denied my request and said that I could pay them from my SS check. I requested a balance due from them and now the balance due is {$6300.00}. 
Completely different amount than original mailed to me. 
On XX/XX/XXXX I spoke with XXXX and they informed me that I do not owed them anything, that on XX/XX/XXXX they sold my account to a debt collection company called XXXX XXXX and their phone number is XXXX. I called that number and it is no longer working and the debt collection company is no longer opened, Why do I need to keep paying if the original debt to XXXX is telling me I do not owe them any money? How can I close the account with Jormandy? Please help me out.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit file and unfortunately found incorrect information that I have previously disputed with the Credit Reporting Agencies. They have failed to verify the numerous inaccurate accounts and information listed on my credit report. Under the FCRA 15 U.S.C. 1681i all unverified accounts must be promptly deleted. 
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 2023-03-06
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2015-10-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

They keep asking for XXXX XXXX that doesnt exist in my household. They call me all the time even on Sundays after letting them know this person does n't live here nor do we know the person and each one will claim to remove my number but still bothers me.
Consumer complaint received 2023-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (OH)

We had a hardship and got the loan for XXXX and wasn't informed of interest rate until after it went through. By the time we make the payments we will have been charged around XXXX the interest rate was above XXXX is what im seeing now
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (KY)

checked credit report, had new report of a debt with FRONTLINE ASSET STRATEGIES stating I owe over {$3000.00} for a debt with XXXX XXXX, I filed a complaint with the police, XXXX XXXX fraud deprt and the frontline reporting that this is not my debt. I have never had XXXX XXXX ( or an XXXX that was reported to be on the account ) i have never even stepped foot in a XXXX XXXX store but apparently an acct was opened in my name at a store, we have requested proof that this debt is mine, how did they verify my identity to open account and have gotten no response from XXXX XXXX or frontline asset
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

While checking my Equifax report confirmation # XXXX I came across several inquiries that I did not authorized many were accounts that were previously reported as fraud. I have tried to solve this issue with Equifax to no avail. I have attached my identity theft report along with proof of my identity as required by the FCRA. These are the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, this is for my Equifax credit report confirmation # XXXX. 
Thank you.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

In XXXX XXXX I went to XXXX XXXX at their XXXX campus and signed up for a computer programming course. XXXX assured me that I would be able to secure a better paying job and there was a job placement guarantee upon completion of their program. I was at the time a XXXX XXXX XXXX XXXX. I started to attend classes at the XXXX ' XXXX campus and over heard the instructor state that he was n't being paid and he wanted to leave. The XXXX campus soon was closed. Soon thereafter I was sent to several different campuses to take classes. I felt as if I had no choice because I had already paid the tuition. There were no tests, no quizzes, the quality of instructors was poor and some of the classes were shortened in duration. There were not enough hours provided. I was unable to graduate from any single institution. There was no central school administrative office responsible for issuing a transcript, certificate or diploma. I never received instructions as to where to apply for jobs or if my class time would be honored by any future employer because there was no one to verify my attendance at XXXX XXXX. My student loan was acquired by XXXX XXXX XXXX. I could not afford the payments and applied for a forbearance in XXXX. In XXXX XXXX I was sued in Civil Court by XXXX XXXX XXXX XXXX XXXX. That law suit is still pending and the materials that I attached to this complaint were provided to me as part of the discovery in that civil law suit I was neveer provided copies at the time of application. I was never able to obtain computer programming skills or secure employment as promised. I could n't even prove I attended any school whatsoever.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

XXXX : Family of XXXX XXXX Trustee of the Social Security Cestui que XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Chief XXXX XXXX of Corporation TD BANK USA NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Account ending in XXXX Company 's Response : We sent an update to the credit bureaus and the attached letter, with copy of prior response ( enclosures omitted ), was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : Im writing to confirm weve received the second complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) about how the above-referenced Nordstrom credit card account is reporting to the credit bureaus. Thanks for bringing your concerns to our attention and giving us the opportunity to respond. As shared in our XX/XX/XXXX, letter response to the initial complaint you submitted, we did find that the account was reporting inaccurately to the three major credit bureaus ( XXXX, XXXX and XXXX ), and have corrected this by requesting that the credit bureaus update their reporting to reflect that the account was paid in full and charged off as of XX/XX/XXXX. Please note that our request to the credit bureaus was made XX/XX/XXXX, and this update could take up to 30 days to process. Weve enclosed a copy of our response to your previous complaint for your reference. Should you have any questions, dont hesitate in reaching out to us at XXXX. 

This account needs a XXXX adjustment/Deletion of account from XXXX ( XXXX, XXXX and XXXX ) XXXX You have inaccurately reported and laid false claim against my name. This needs to be deleted as requested as you did not address this in my last complaint. This needs to be addressed still. When you respond address this issue and only this issue. On top of you negligently reporting incorrectly you have also reported on something that you have claimed a loss on and therefore needs to be deleted. You are not permitted to report or continue to report if you have claimed this amount as a tax write off as a loss. You have been paid.Not only have you been paid, but you are also requesting more money and double dipping on the money you received. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX states that all debt public and private are paid for. There is no debt