davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (NY)

I have never lived at the Adress associated with this account because it is not mine, as I am a victims of identity theft as the result of a burglary. In XX/XX/XXXX, my hotel room was robbed while I was sleeping and I was also assaulted physically and XXXX. At that time, I lost my wallet which contained my social security identification card, drivers license, all my credit and debit cards, and my XXXX XXXX University card which had my old university email address on it. I graduated so I no longer check this email regularly so I didnt notice that TrueAccord had opened a collections account in my name until XX/XX/XXXX, at which point I immediately disputed the debt and filed an identity theft report. Its been over 2 months and I have yet to hear back from true accord on my request for deletion of this account and removal of all negative reporting to credit bureaus.
Consumer complaint received 2023-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

This credit bureau XXXX and Experian is falsely reporting a bankruptcy and saying the bankruptcy court gave them information when clearly the courts dont give information for anyone bankruptcy
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 166B : A creditor may not treat a payment on a credit card or car loan account under an open end consumer credit plan as late for no purpose.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

I purchased a XXXX XXXX 2022 online XX/XX/2022. My first package was never delivered to my door, instead it was delivered to a post office no where near my house. Then was marked lost by XXXX on XX/XX/XXXX. XXXX sent a replacement I believe on XX/XX/XXXX that was never received as well. My daughter was home all day those days that it was suppose to be delivered on. XXXX has done nothing, but claim my packages were delivered. There is no signature, picture or even a note from XXXX for an item that costed XXXX. My claims from XXXX and XXXX and even my disputes have been cancelled, XXXX is stating that XXXX provided proof that my order was completed but there was no signature. I'm now being forced to pay for something I never received.
Consumer complaint received 2019-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please treat this as a dispute of the amount that Bank of America, N.A. claim that I owe and the amount that Bank of America, N.A. has been collecting from me since the origination of my automotive loan. To be specific, based on the information that I recently learned, Bank of America, N.A. erroneously charged me and has been collecting from me an amount that falsely included a XXXX XXXX XXXX XXXX ( Option Code : XXXX, Form Number : XXXX ) warranty ( Warranty ) which was wrongfully and unilaterally cancelled by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, ( Dealership ). Herein, I am disputing the principal balance, calculated monthly payment, interest and any fees or costs that Bank of America, N.A. claims I owe or that Bank of America, N.A. has collected from me to date since no warranty, no notice of cancellation, and no refund have been provided to me in exchange for what I have paid to Bank of America, N.A. I am requesting an investigation and response to my dispute raised herein and an explanation of whether or not any amounts have been refunded by or to Bank of America by either XXXX or XXXX as it relates to the Warranty and my automotive loan.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX  XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-02-28
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. (AK)

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 XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 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 2023-02-28
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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 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 2023-02-28
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. (MS)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Mississippi XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDXXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX  XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-02-28
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: OneMain Finance Corporation (TX)

Inquiry was made on my report by OneMain financial on XXXX XXXX. I have never even heard of this place until I saw a notification on my credit report about a hard inquiry. I called and received the worst customer service ever. She tried asking for my entire social over the phone, I told her I dont feel comfortable giving out that information, maybe last 4. You never know what she is saving on her computer or writing down. She received no results from a last/first name lookup and all she said was I can dispute it. Basically the run around. I can dispute it with whoever reported the hard inquiry, I.e XXXX or XXXX XXXX. They supposedly cant do anything with my full social given over the phone. I said no and after much back and forth, she looked me up by first and last name. When that didnt come up, she asked for my last four of my SSN. Where was that option before asking for my full social over the phone?
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS XXXX : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries that appear on my credit report. Specifically, I am disputing the following inquiries : XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX, XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries I do not recall authorizing any of these inquiries and I have not applied for credit with any of these companies during the time period these inquiries were made. These inquiries are having a negative impact on my credit score and are affecting my ability to obtain credit. I am requesting that these inquiries be removed from my credit report. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your review. Please investigate this matter and remove the disputed inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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. (NJ)

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 XXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-28
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

I was sued in XXXX from LVNV Funding regarding an account from XXXX XXXX. My wages were garnished on 3 separate paychecks on the following dates : XXXX for {$450.00} ; XXXX for {$630.00} ; XXXX for {$3.00}. My company sent the money to the XXXX XXXX Clerk of Courts. I spoke with a lady at the clerk of courts office this past week and she informed me that she reached out to the law office of XXXXXXXX XXXX XXXXXXXX on 3 separate occasions, those dates being XXXX, XXXX, and XXXX, to request that their office send her an order for funds so that she could send the funds to them. However, their office never returned her phone calls and did not send her the order she requested. She then sent the funds to the unclaimed funds division of the state of Ohio. I disputed the account on my credit report some years ago and requested it be updated to show it was now paid since they garnished my wages. They are saying I still owe them the money and refuse to correct their own mistake. I reached out again to them this XX/XX/XXXX to request again that it be updated because my wages had already been garnished and my debt was paid. I received a letter from them today XXXX stating that according to there investigation they have not received the money and therefore I still owe them the debt and it continues to collect interest, so every single month they are submitting to the credit bureaus that the amount is increasing and hurting my credit and this may very well jeopardize the current purchase of a home I am trying to make. I should not be punished for their lack of follow through on a judgment that was paid. There should be some form of restitution for continuing to ruin someone credit for a debt that was paid over 3 years ago.
Consumer complaint received 2023-02-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I have a private student loan with Navient. The loan was initially for {$6400.00} and now it is at $ XXXX out of which $ XXXX are for accrued interest. The interest rate on this loan is 13:5 % and it originated in XXXX. Navient has put obstacles at every point to make repayment possible : A ) Navient never informed me there was Income Driven Repayment optioms. 
B ) Navient pushed to long term forbearance paying {$50.00} to renew it, every three months. 
C ) Navient will not lower the interest rate, they advised me to apply for refinancing with Navient themselves, however, they denied me due to my credit score, which was ruined by Navient. 
D ) Navient has not furnished ANY information of their discharge process, or settlement options ; they want me to pay {$300.00} a month which is prohibitive at this point. 
E ) Navient harassed incessantly during the pandemic, they offered covid related forbearance but charged a fee for it every time. 
F ) Navient customer service treats borrowers like criminals, there is not an ounce of compassion and their voices exude disgust, it is extremely distressing to hear them put me down every-time I call. I have XXXX XXXX  every time I see them on my caller ID. 
G ) Navient has offered me a repayment interest only plan, but in order to accept it they want to withdraw the money from my account automatically, they do not offer any other type of payment options. 
My husband it is a veteran and I have been a military spouse for 20 years with multiple moves and these circumstances have causes my employment to be sporadic, I have spent the last 15 years id my life being the main caretaker. I have been able to find a job with a non profit organization and from the moment I told Navient this and asked about Income Drive Repayment I was told I do not hace access to that due to the loan being a private loan, my repayment options are non existent and Navient calls me on the daily during work hours even though I told them I could not answer phone calls. Navient is demanding repayment and their representatives threatened me with wage garnishment. I am at my wits end and I need help dealing with Navient. I feel threatened by them, stressed by them, mistreated by them, treated as a criminal by them.
Consumer complaint received 2023-02-28
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.