davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . THIS INACCURATE INFORMATION VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) ( A ) FCRA 15 USC 1681i. BY THE PROVISIONS OF THE FAIR CREDIT REPOTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX COMPLIANCE REGULATIONS, I DEMAND THAT THESE DEROGATORY ITEMS BE investigated AND DELETED.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and no response here is my tracking number of my certefied mail that i sent and they received on XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

In 2011, I had a Visa Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
Consumer complaint received 2024-10-08
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. (MS)

On XX/XX/2024 i disputed items on my persons credit report and asked that they properly be verified according to the Laws of FCRA. In less than 24 hours i was sent an email stating that my dispute was over and my results were ready. The entity Equifax has violated section ( 604 ) 15 U.S.C. 1681b, section 605 A 15 U.S.C 1681 C-1 and 605B 15 U.S.C. 1681 C-2 by not properly verifying the items in dispute. The items in dispute have adversely effected me and has damaged my reputation. All items have been discharged and should no longer be on my persons credit report showing adversely in any way. I the consumer and trustee over the accounts did not give explicit or written consent to publish such personal and private information on my credit report. The entity Equifax did not provide me with information on how they were able to verify any information so that i may exam it. Equifax gets unverified information from uncredited resources such as XXXX XXXX XXXX  who also must be certifiable in Metro 2 Compliance standards who also reports inaccurate and noncompliance information on consumers. I also spoke with the clerk of circuit court and asked them what was their method of verification for reporting to Credit Bureaus and they informed me that they do not verify any personal and private information to any credit reporting platforms. Equifax isn't properly verifying information which is harming consumers. I would like Equifax to send copies of their method of verification to the CFPB so that i can be assured that Equifax is in full compliance. I would also like Equifax to send verification of bankruptcy to CFPB to insure compliance. If Equifax can not verify any information on my credit report that is adversely affecting i, the consumer, them Equifax is required by law to delete All negative information immediately.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

In XXXX when I XXXX  my monthly payment for my federal student loan was more than I could afford. I contacted Sallie Mae and their 2 suggestions were deferred payments or consolidation of my loans. I chose consolidation but was never told they would go from federal to private. 

I was paying faithfully each month until late XXXX when I had to stop. In XXXX of XXXX my husband worked out a payment plan with XXXX, employee with Navient who said we could get a payoff amount once the loan was current. My husband contacted Navient to get the payoff amount. Navient staff said they never did that and wouldnt do it. My husband filed a claim with the XXXX XXXX XXXX and was basically told you have to pay the loan. 

I am a XXXX XXXX and will be paying this loan until I am XXXX. There are many days I XXXX  myself for going back to school and incurring this huge debt that wont go away. 

Thank you for reading this and thank you for getting Navient to realize they have made way too mistakes handling peoples finances XXXX XXXX
Consumer complaint received 2023-10-09
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
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. (OH)

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 Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I can not unfreeze my Transunion Credit Report the same day that I am requesting it online through my account anymore. It use to work for years up until earlier this year. The same message I have been receiving all year is an error page saying all 3 of these : The credit freeze service is temporarily unavailable.

An error occurred when we tried to perform the action you requested. Rest assured, were working on the problem and expect things to be back to normal soon.

We are experiencing very high call volumes right now. 

The process has worked well for years but starting earlier this year it wont let me unfreeze it on the same day that I request the unfreeze. The only work around is I have to request the unfreeze for a future date and not the current day, then it magically works fine after denying my same day request. It is incredibly disruptive and annoying when trying to conduct any type of business that was not planed out a day ahead. 

Neither of the other 2 Credit Bureaus have this problem and can do same day unfreezes immediately once submitted
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello Experian, I am writing this letter to you so you can carefully read my concerns on me being an victim of identity theft. I've recently purchased a report and noticed the fraudulent accounts listed in my name. I am very concern about these accounts and on how my information was so easy to access to get that many credit cards in my name. Ar this time I am asking that you review the letters below and be sure to reach out to me in 30 days XXXX.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I filed complaint ID XXXX on XX/XX/year>. Citibank failed and refuses to investigate and simply said on XX/XX/year> that they had investigated. The attached worksheet provides precise, irrefutable mathematical interest calculations per their deposit agreement. If their calculations are correct, why do they refuse to show their calculations or where mine are incorrect. Their refusal to discuss the numbers shows they know their numbers are wrong and are hiding their wrong numbers. Anyone who can use a calculator can confirm my worksheet numbers are correct which proves their numbers are wrong.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is my third time addressing this matter, I am writing to formally dispute the inaccuracies associated with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as reported by Equifax. This account appears to have numerous discrepancies that do not accurately reflect my payment history or account status. 

Discrepancies Noted : Reported Balance vs. Status : The account is classified as PAYS AS AGREED with a reported balance of {$0.00}, yet it also shows a charge-off amount. This inconsistency creates confusion regarding my obligations. 

Payment History Discrepancies : The history indicates that the account had 30 days past due in previous years ( 2020 ), conflicting with its current pays as agreed status. This misrepresentation negatively affects my credit score. 

Date of Last Payment : The date of last payment is recorded as XX/XX/year>, with no payments reported since. If the account is indeed closed and has a XXXX balance, it should not reflect ongoing delinquent status. 

Inaccurate Delinquency Reporting : The account is marked with delinquencies even though it is reported as closed. If it has been paid and closed, these delinquent statuses should be removed. 

Credit Limit Discrepancies : The reported credit limit of {$520.00} with available credit of {$0.00} raises concerns about the clarity and accuracy of the account 's management. 

Misleading Comments : The comment Closed or paid accountXXXX balance contradicts the reported delinquencies, creating confusion about the account 's actual history. 

No Recent Activity : With the last activity dated XX/XX/year>, the account should not continue appearing on my report. If it has been paid and closed, it should be marked accordingly. 

Lack of Clarity in Reporting Terms : The terms frequency is labeled MONTHLY without a clear relationship to the 24-month term duration, which adds to the confusion regarding payment obligations. 

Given that this is my third attempt to have these discrepancies resolved, I am requesting the immediate removal of the late payment that was reported in XX/XX/year> Please conduct a thorough investigation into this matter and correct the inaccuracies at your earliest convenience. I appreciate your prompt attention to this issue and look forward to your response.
Consumer complaint received 2024-09-13
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. (FL)

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, AMOUNT {$5000.00}, ACCT # XXXX ACCOUNT XXXX XXXX XXXX XXXX, AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXXXXXX, AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$10000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX XXXX AMOUNT {$9300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$330.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$15000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX INQUIRIES : Here is the updated version with only the account names and dates : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.