davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-09-30
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. (VA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX  XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with 15 U.S.C. 1681i, I am disputing the accuracy of information reported on my credit file regarding a XXXX XXXX account, which shows a missed payment for XX/XX/XXXX. This payment was made in full, and I am unable to retrieve additional receipts due to login issues. As per the statute, I request that this information be reinvestigated and deleted. 

XXXX XXXX  allow me to make a payment in XX/XX/XXXX for {$410.00} XX/XX/XXXX i paid the remaining balance from XXXX and full payment for XXXX payment.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX  if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KS)

I bought something over Paypal back in XX/XX/2018, i tried contacting the seller multiple times, over Email on XXXX, her shop and personal account and i tried to get answers from Paypal. But back In XXXX she told me it would be ready and shipped off soon, but eventually just stopped replying or answering my messages. And i never got my item.
Consumer complaint received 2019-08-09
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: DISCOVER BANK (NY)

To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a DISCOVER CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a DISCOVER CARD at that time. Once I realized this was a fraudulent use of my social security information I notified DISCOVER on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called DISCOVER notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is blocking my access to their services. Transunion acknowledged this fact when I spoke to USA based rep XXXX XXXX. 
He stated he was sending problem ticket to their IT department and someone would get back to me. On top of this, they have multiple usernames I used but have since changed and need to delete any legacy account info no longer in use ( outdated ) I can confirm all usernames and emails they can lookup upon request and/or they can consolidate all of that info into one email/username. 

XXXX XXXX supposedly removed my credit freeze and extended fraud alert but never did. Credit freeze and fraud alert need to be removed and any other alert I might not know about. Transunion needs to help me get setup on their system and make sure I am also OPTED IN. I AM NO LONGER PERMANENTLY OPTED OUT Username is XXXX Also, i cant log into : disputes.transunion.com Fix immediately
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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 2019-04-09
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX XXXX had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XX/XX/2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.
Consumer complaint received 2019-08-12
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. (FL)

As of XX/XX/2019 the loan balance on my XXXX mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, XXXX  or Experian.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

on XX/XX/2019 I submitted my loan modification package to OCWEN and they refused to help me. I resubmitted my loan modification package again on XX/XX/2019. After that I received a letter indication my loan was transferred to PHH Mortgage. On XX/XX/2019 I resubmitted my case by email and uploading my documents on the website that indicated the notice of lender transfer letter. I have received an email requesting more documents that I have submitted. After that I have received the foreclosure notice. 
Reviewed the website and nobody reviewed the documents submitted. The law office sent by email my package and the indicated that they will not review it due the proximity of the foreclosure sale date. 
Informed them that they have my document 2 month before the foreclosure, the relationship manager never attend the calls, and the home retention department doesn't have knowledge of the review status of a loan modification. Now they change ( again!!! ) the servicer 's name to XXXX. In addition the foreclosure attorneys never send us the foreclosure notice letter.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. This complaint is to inform you I am being taken advantage of by the credit reporting agencies. They are not verifying this information that they are furnishing on my report. And this is a violation. This information is 100 inaccurate and I need it removed immediately. It has caused my grave financial woes.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2019-08-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc. (NC)

I have two different student loan companies that have serviced me in the past as well as currently with my academic studies , College Foundation and XXXX  XXXX  XXXX. My complaint is for College Foundation ( CFNC ). I have a letter dated from CFNC XX/XX/XXXX that states that my forbearance was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. I also have a second letter showing that my deferment was approved from the dates of XX/XX/XXXX through XX/XX/XXXX. Although my forbearance was approved from XXXX, CFNC reported a total of 14 missed payments to all three of my credit profiles recently! I have contacted CFNC on a number of occasions and have even disputed the inaccuracies through the credit bureaus and all of them have come back as the information being valid when I have a letter from CFNC on their letter head stating otherwise. If my forbearance was approved for that time frame XXXX, there should only be 1 late/missed payment reflected for the gap between XXXX and XXXX of XXXX, not 14 missed payments. This is severely important to me because I am in the process of trying to purchase my first home and this correction could really boost my score. I also tried explaining to CFNC that although they are different from XXXX   XXXX   XXXX, that I have had the exact same issue with them that has since been resolved but CFNC is unwilling to assist their customers on these inaccuracies. I would also like to mention that CFNC and their processes are severely outdated. All information must be handled via fax or by mail, they don't allow any of their information to be updated online which could have originally avoided all of the reporting issues of me being late due to an invalid address they had in their system years ago. I would also like to say that if it wasn't for my persistence, I wouldn't get anywhere due to the unwillingness to help by their customer service agents answering my calls each time. This last time, I refused to hang up until I spoke with a supervisor which resulted in a 52 minute hold.
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Navient has been the servicer for years. I have also not paid on my loan for many, many years. I am currently in a better financial place and have recently started paying on my loan. I am paying significantly more than the amount due. 

The problem is, is that when I wasn't paying I rarely, if ever received a call, email, or even a bill from Navient. Now that I have been paying the loan they are harassing me. They have called family members. Today, XX/XX/2019, they called at XXXX, XXXX, XXXX, XXXX and XXXX. I have repeatedly told them they could no longer contact me by telephone, and I will only accept communications by mail or email. They call at least once a day, every day but some days they call non-stop. 

I think I was better off not paying, then I wouldn't be harassed.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

On XX/XX/XXXX, Bayview Loan Servicing bought my mortgage loan from XXXX XXXX and within the first week I started receiving Default notices. Bayview claimed I was behind on the loan when XXXX XXXX sold the loan to them. I spent hours on the phone with Customer Service, went back to XXXX XXXX to be told I was whole with XXXX XXXX, and I spoke to Bayview Customer Service and they still insisted I owed money to XXXX XXXX. 
I finally consulted an attorney and under the threat of legal action, I received a letter from Bayview that I did not owe any payments or any fees. They also stated my credit report was not affected. I believe this was in XXXX or XX/XX/XXXX. 

Then in XXXX it started again. I continuously paid my exact payment and did not pay any fees they were charging me. When I called they insisted I owed money and held payments I made in suspense, during this process. Now they are processing my payments but are still charging me fees, and fees on the fees. Enough is enough. I sent them a letter this week and I want to make an official complaint. Hopefully you can help us and clear up my credit report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2019-08-13
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. (WI)

I did not receive my XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.