davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to file a formal complaint against your organization for the persistent failure to remove inaccurate items from my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence supporting my claims of inaccuracies. Nevertheless, your organization 's repeated failures to correct these errors are causing significant harm to my creditworthiness and financial stability. 

It is essential to highlight that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies like yours are required to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and correct the inaccuracies on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect my financial history and creditworthiness. 
Removal of any derogatory or inaccurate information from my credit report. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Kindly assist me to delete the following fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (MD)

My sister in law was contacted by Navient regarding my student loans. She was informed that my student loans were past due. This is illegal and in violation of FDCPA, Section 15 USC 1692c, Section 805b. I have not given permission for Navient to provide information about my debt to a third party. KC is my sister in law ( not my parent, or spouse ).

Navient has continuously called an harassed me also in violation of FDCPA, [ 15 USC 1692d ] 806 ( 5 ).

These are two violations of the FDCPA. 

I seek immediate and swift legal action in accordance with the law and the aforementioned statute.
Consumer complaint received 2023-09-29
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. (NM)

I am writing to file a formal complaint against your organization for the repeated failures to correct an inaccurate late open account on my credit report. Despite multiple attempts to rectify this error, my credit report continues to contain misleading information that has a detrimental impact on my financial standing. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence to support my claim that this late open account is inaccurate. However, your organization 's persistent failures to address this issue are causing significant harm to my creditworthiness and financial stability. 

It is essential to emphasize that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account on my credit report : Difficulty obtaining credit or loans on favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account on my credit report. If it is determined that this account was indeed inaccurately reported as late, I insist on the following actions : Swift correction of my credit report to accurately reflect my financial history and creditworthiness.

Removal of any derogatory or inaccurate information associated with this account.

Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Please help me correct the late open account : XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Recovery Services, Inc. (CA)

On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - Financial Recovery Services - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting docume
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 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 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit. I would also like to cancel/remove any security freezes and/or fraud alerts. As of a result of whatever freeze, hold, or alert that Equifax has placed on my credit report. I am unable to get my a replacement XXXX credit card even though I have an active account with this company.
Consumer complaint received 2022-12-30
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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
Consumer complaint received 2023-09-29
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. (NM)

I am writing to file a formal complaint against your organization for the persistent failure to remove fraudulent items from my credit report. Despite my numerous and diligent efforts to address this issue, the fraudulent items continue to tarnish my credit profile, causing severe financial and personal distress. 

I have exhaustively followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that unequivocally demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are inflicting substantial harm on my creditworthiness and financial stability. 

It is imperative to underscore that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, like yours, are mandated to conduct thorough investigations and take necessary corrective measures when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the substantial evidence I have submitted, I continue to endure the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms.

Higher interest rates on existing credit accounts.

Grave harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and decisive action to investigate and rectify the fraudulent items on my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report.

Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. Please help me remove the following fraudulent items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-30
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. (IL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I submitted a complaint on XXXX I requested proof of the multiple attempts made by your company to notify me of the options to rectity my loan, which was in forbearance. I have not been presented with any options since XXXX and have not received any communication regarding the end of forbearance as an option for my loan. Please provide me with copies of the email requests and any other proof of attempts made to notify me that forbearance was no longer an option for my loan. I would like to understand the steps that were taken to inform me of this change and explore any possible solutions that may be available to me. 
This situation has been causing me a great deal of stress and frustration. I have been diligently managing my finances and responsibilities, yet XXXX 's inaccurate reporting is hindering my ability to move forward. I have tried to resolve this issue with the company multiple times, providing evidence of the forbearance status of my loans, but to no avail. 

The impact of XXXX 's actions on my credit score and financial standing can not be overstated. It is unfair that I am being penalized for their error, especially when I have taken all necessary steps to rectify the situation. I am left feeling powerless and unsure of how to proceed. 

I am seeking assistance and guidance on how to address this matter with XXXX and potentially escalate it further if needed. It is crucial that this issue is resolved promptly to prevent further damage to my credit and financial well-being.
Consumer complaint received 2021-06-29
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: ALLY FINANCIAL INC. (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ALLY FINANCIAL # XXXX -XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-09-29
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (AZ)

I am writing to file a formal complaint against your organization for the persistent and unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts to address and rectify these fraudulent entries, my credit report continues to be marred by information that is both false and damaging to my financial well-being. 

I have meticulously followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that incontrovertibly demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to stress that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Removal of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.