davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Ive written into attorney general office. Navient is forgiving student loans that are private per their settlement with the courts however they are not forgiving and that went for non for profit schools even though XXXX percent of the schools in America that are private are Yes, most private schools in the United States are non-profit. Non-profit private schools are exempt from taxes and focus on education rather than profit Meaning salliemae and Navient gets to get away with the lending abuse caused by the signature student loan the same loan they were told that they could no longer used in XXXX XXXX because they abused lenders in aiding to create permanent unwavering debt .. example my grandmother was approved as a co-signer while on social security that much is in the document they attached they then closed the consumer finance claim stating they could not provide documentation of origination which is his an why a loan is approved .. sand information they have to provide in court not to mention XXXX XXXX XXXX XXXX XXXX  .. in XXXX I was receiving XXXX which theyre aware of in XXXX XXXX and in XXXX XXXX  removal a customs advocate who lacks integrity towards customers is a navient advocate and not for the customer..
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NC)

I can not even begin to describe my nightmare experience with this company. After repeated attempts to validate my debt and merely ask questions about the amount ( for example, my card had a $ XXXX limit ; why do I owe more than {$5600.00}? ), I have never received anything from them detailing this information. 
When this suit was initially filed, I was working with a Debt Consolidation company ( XXXX XXXX XXXX  ) and was represented by XXXX XXXXXXXX XXXX who responded on my behalf ( In fact, I contacted XXXX several times and was told they could NOT speak with me ). I have emails from XXXX XXXX detailing their negotiations with XXXX ; I emailed them detailed information about my situation, why the account went behind, inability to pay, etc. yet when I had to go to court for this upon being SUED, they LIED and said they NEVER heard from me- a bold lie ; in court! 
To make matters worse, I lost my job the same month I was served with this " lawsuit '', which is a tragic waste of taxpayer time, dollars, and has taken a significant toll on my health. 
Now, after becoming re-employed and getting one singular check, I called XXXX ready to pay and make this go away- EVEN THOUGH they have still not validated the debt per my request. I even made two small payments in good faith to them, when I had NO INCOME. I spent hours speaking with the settlement team only to be lied to, manipulated and refused. Each rep had a different " policy '', " lowest amount '' etc. they could offer. Just more continuous lies and deceitful practices. One rep abruptly said " why didn't get get a job and pay this? '' I informed her that I did and am also a XXXX XXXX XXXX XXXX raising XXXX children, she said " yeah nobody wants to flip burgers at XXXX XXXX XXXX but there are lots of things out there to do '' and finally, " couldn't you take a semester off and get a job to pay for this? '' Oh and like many others have reported, they urged me to get a loan, or ask family and friends for money, and that my credit will be ruined from the judgement. Thankfully, their calls are monitored and recorded according to an associate attorney, and will hopefully be made available as I believe they are in numerous violations of consumer protection policies. 
The worst part is I have made it explicitly clear from DAY ONE that I want to settle this. Why do they take people in vulnerable situations, shame them, drag them through court and so on? Just for the hope of getting more money? 
It's sickening. As hard as this year has been for me and so many others, my heart breaks for these people who would be so unethical in their pursuit.
Consumer complaint received 2024-08-29
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: EQUIFAX, 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.
Consumer complaint received 2024-09-01
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. (SC)

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-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 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2024-08-27
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. (TN)

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 : CAPITAL ONE I, 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 2024-06-27
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. (GA)

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  Account Number : XXXX Account Name : 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 2024-09-17
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: Early Warning Services, LLC (AR)

I wrote a certified letter to XXXX XXXX for verification of the account because I have identity theft issues, and XXXX XXXX never addressed the issue with a proper investigation. Identitfytheft.com complaint has been filed because my information was breached during XXXX XXXX XXXX and someone did use my information but I'm not able to track down who did.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 60 days to be removed. 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. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-09
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. (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. 

XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXX : Account # : XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXXXXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX : Account # : XXXX has violated my rights. Or 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an alert on XX/XX/2023 that CAP ONE NA did a credit inquiry on me. I did not requested or authorized this action. I called XXXX on XX/XX/2023 to mark this activity as a fraud and on the same day I called Capital One to notify that I filed a dispute with XXXX. Capital One didn't give me information about the Inquiry, but they recommended me to mail a fraud report for them to conduct an investigation.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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  Account XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2024-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OH)

My history includes Pay Pal in the past with Pay Pal Credit, which were all cancelled when XXXX stopped taking Pay Pal. Additionally, I switched my email in XX/XX/XXXX. I won a small auction that offered Pay Pal as a payment processor. Even though I wanted to use Pay Pal as a " guest '', they asked for all of my personal information first on page one. On page two, they had a saved credit card that was compromised and closed by my bank. I clicked the next button down to use a different credit card, but it was declined and I was asked to use a different credit card. I know that my credit card is good, so I tried it again and it was again declined. At that point, I saw that there is a very tiny button at the bottom of page XXXX to pay as a guest. Pay as a guest should have been at the top of page one, not on the bottom of page 2. Anyhow, the charge went through and a receipt popped up that an email was sent to my old email that was shut down over 2 years ago, so I never received it. I have a screenshot of that receipt with the receipt number. Today, XX/XX/XXXX, I got an email, " Welcome to Pay Pal ''. I never signed up with Pay Pal and never created a password. I spent over XXXX hours on the phone today with Pay Pal. The first XXXX representative told me that they could not find my old email or any saved credit cards in their system. I also complained to representative 2 that Pay Pal made an account for me even though I never signed up for one. Representative XXXX closed that account, which I got an email for. I then kept asking about the compromised credit card on their system and stressed that it had to be somewhere in their system. At that point, I asked for a supervisor. The supervisor found another older account, after asking for the last XXXX digits of my SSN. He stated that I still had an account open with my old email and stated that he closed it. I asked for a confirmation letter that it was closed and he indicated that he couldn't do that and an email would be sent to the email that was shut down over 2 years ago, so no proof of closure. I then questioned him further about Pay Pal having my compromised credit card on their system and his answer was that I would have to monitor that to see if it gets deleted after my account deletion occurs. Pay Pal is very sloppy with how they handle personal and financial information and needs to be investigated. I am currently on the Dark Web, so have learned that sloppy record keeping is how information gets leaked.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

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. Whos studying computer science help 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-28
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. (CT)

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 2024-07-24
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. (TX)

I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified and updated. My credit report continues to contain multiple inaccuracies.

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the law.