davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, XXXX is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately. 

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by XXXX and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. 

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.
Consumer complaint received 2024-11-03
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. (OR)

Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Debt Validation and Removal of Inaccurate Accounts Dear Experian Dispute Department, I am writing to formally dispute the following accounts listed on my credit report. Under the Uniform Commercial Code ( UCC ) 3-401, I request that Experian provide verifiable proof of each alleged debt by supplying an original contract bearing my wet-ink signature. If such documentation is not available, Experian must remove the inaccurate information immediately. 

The accounts in dispute are as follows : XXXX Account Number ending in XXXX Balance : {$1800.00} Status : Charged off XXXX XXXX XXXX Account Number ending in XXXX Balance : {$2300.00} Status : XXXX XXXX XXXX XXXX XXXX Account XXXX ending in XXXX Balance : {$300.00} Status : Collection XXXX XXXX Account Number ending in XXXX Balance : {$710.00} Status : Collection XXXX XXXX Account Number ending in XXXX XXXX : {$1800.00} Status : Collection Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are prohibited from reporting unverified or inaccurate information. As Experian has not provided proof of these debts, I am requesting the immediate removal of these items from my report. Failure to comply will result in a claim for {$1000.00} per violation in damages, as outlined in the FCRA and UCC. 

Please provide written confirmation of the removal of these debts within XXXX hours or an explanation of the basis on which these debts are verified without original signatures. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (TN)

In XXXX of 2023 I sent the updated orders showing the military order extensions to American Credit Acceptance. With these orders it showed that the loan was still covered under SCRA. We also sent in a good faith payment to the company of just under {$900.00}. On XX/XX/2023 a towing company showed up to our home showing that they had received an order from the company to repossess the vehicle. At this time the towing company took the vehicle from our property. We have received no court documents or summons to court on this matter. We have received no notification via mail or email telling us of this after the date of our good faith payment. I had to have major XXXX  XXXX on XX/XX/2023, which had me off work for quite a while and I am still only back to work part time. This has caused us financial hardship due to the lack of a XXXX income family. I feel that they have violated our right to be able to fight this issue in court or even explain why the payments had not been made by the company not notifying us of any hearings or obtaining a court order. The vehicle they repossessed is the military members primary vehicle getting him back and forth to the base.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting ITEMS as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2023, I made full payment with a convenience check in the amount of {$3900.00} to my credit card ( Acct # XXXX ) held by Comenity Bank. On XX/XX/2023XXXX XXXX XXXX XXXXXXXX on behalf of Comenity Bank cashed the check ( see attached copies ). As of XX/XX/2023 the funds have not been credited to my account.
Consumer complaint received 2023-09-12
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
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 XXXX XXXX XXXX XXXX Accounts 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
Consumer complaint received 2024-08-09
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. (OH)

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX  - XX/XX/2024 XXXX. XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2020-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

Between Capital One, XXXX, XXXX XXXX and various online credit reporting, including XXXX XXXX and XXXX XXXX, I have somehow been robbed of {$300.00} and also had my credit score mysteriously and needlessly PLUMMET over 50 pts in less than a year!

What the heck is going on? I have been so SEVERELY dismissed, disrespected and argued with by XXXX and Capital One reps, that I literally had to end the conversation with them after at least an HOUR of arguing with them back and forth over the phone. 

Someone is STEALING from me, and the money itself would be bad enough, but the CREDIT is possibly even more consequential. 

After DIGGING into my Capital One account I was actually able to prove, after ARGUING, MULTIPLE times with MULTIPLE XXXX reps that they were indeed in ERROR and fraudently charging my account. But even after ALL of this I was STILL put on the defensive as to any worse charges than a ONE time {$6.00} amount.

You know ... remedying and getting my money back aside, how do I JUST get the 'bleeding ' of my credit score plummetting to stop??? 

THANK YOU, XXXX XXXX XXXX, WV XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

Started repaying my loans in 2010 to XXXX XXXX which is now Navient. I have been struggling since then to repay my student loans and have been living below poverty level to make sure that my bills are paid. I contacted Navient several times to try to set up a payment plan that I can afford. They refuse to work with me and I just can not afford their idea of a payment plan. My parents offered to do a settlement and the representative refused and was rude and condescending.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-14
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. (NJ)

I am a victim of Identity theft, I have never applied for any of those fraudulent accounts and they do not belong to me. 

As a victim of identity theft, I have enclosed my FTC Identity Theft Report ( Report XXXX ) as required by law. Under Section 605B, you are obligated to block and remove these accounts within four ( 4 ) business days upon receipt of my report and accompanying documentation, which includes : 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 with account number XXXX PLEASE BLOCK AND REMOVE OFF MY CREDIT REPORT.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WV)

The 10 years on my bankruptcy occurred in XXXX 2023. The credit score on my Equifax account generated by Vantage has not been adjusted or changed to show the bankruptcy removal. There is a statement of the Equifax website that reads that my score is impacted by a bankruptcy and recent delinquent accounts.
Consumer complaint received 2023-09-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

RE : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX av XXXX, Il XXXX Account # XXXX ( XXXX ) XXXX To whom it may concern, XXXX XXXX XXXX XXXXXXXX XXXX, We received a Loan Modification from XXXX XXXX, Making XXXX the Noteholder and XXXX XXXX XXXX XXXX XXXXXXXX, then XXXXXXXX XXXX XXXX XXXX  was closed By the XXXX, and the FDIC was made the Receiver, and XXXX XXXX XXXX XXXX  was the Servicer, then XXXX XXXX XXXX XXXX Parent company of XXXX XXXX XXXX filed Bankruptcy, XXXX XXXX  then sued FDIC as the Receiver XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Bank as the Purchaser, but XXXX XXXX XXXX XXXX Counter sued and after several court cases it was determined that, XXXX XXXX  was the owner over XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX as insurer. ( XXXX Proof of Claim ) XXXX XXXX XXXX XXXX becomes Trustee over XXXX XXXX XXXX XXXXXXXX as part of reorganization cancelled and extinguished all Securitized bonds, After the certificates was written off no one repurchased our note from our Noteholder XXXX. We have been working with XXXX XXXX XXXX, trying to get Lien Release, But, Servicer SPS refuse to remove Lien. 

Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (IA)

I got a new inquiry on my credit report today. I looked at it. It was a debt collection for {$1100.00}, negatively impacting my credit score. I called the phone number. The lady asked my first name and amount owed. Then she asked how I want to pay for the debt or remove it. I responded by saying that I first want to know what it is even for, so I know how to respond. She would not continue any further unless I stated how I want to resolve this debt owed. I again ( 2 ) in circles with her, wanted to know what its for first. She would not tell me. I hung up, looked at my credit report again and discovered that its the exact same amount for an old XXXX XXXX debt that was attempted to be collected by a company going by a different name. I realized that my credit score is being hit twice by 1 debt collection. Maybe from a new collector that bought debt from a new an old collection.
Consumer complaint received 2024-10-12
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. (NJ)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account Number : XXXX I was never late and want proof of being late not just a response of verified. I want actual proof of late payment sent to me
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

They have no right to the debt because net credit is still claim ownership of this debt on my credit I can show proof they will need to send me a debt validation claim 15 usc 1692G full detailed list of the payment history on this account I wan na to see the original signature that I agreed to on the contract for this creditor Has there been any insurance claim found on this debt I also want to see the chain of title that you have to collect on this debt
Consumer complaint received 2024-10-02
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. (FL)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX XXXX I mailed in dispute letters along with my identification documents to include drivers license and utility bill certified. The company respond back with a letter stating that the investigation was not complete because it appears that it may have not been me sending a dispute letter to start an investigation into credit reports attached to my name, address, birthdate, and social security number. So they refused to process my dispute requests. They are also locking me out of my online account to keep me from processing these disputes oof inaccurate information on my credit reports.

ACCORDING TO SECTION 611 OF THE ( FCRA ) .Consumers have the right to dispute inaccurate or incomplete information in their credit file, and credit bureaus must investigate such disputes within 30 days.Further, per section 623 of the FCRA requires furnishers-of information to provide accurate information to the credit Bureaus. This. is direct violation of the aforementioned provisions of the FCRA.
Consumer complaint received 2024-10-02
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

Upon graduation I was required by navient to start making payments, when telling them that I did not have steady employment they still placed me on payments even after asking for forbearance. After some time of making the payments when I did not have the proper funds I asked for deferment they told me that it was not possible and forbearance was the only option. After this was ending they began calling me requiring thousands of dollars per month. upon finding out about this claim I logged into my account to review documentation and it has since been deleted. I do have emails where they are requesting anywhere from {$500.00} to {$5000.00} for a monthly payment.
Consumer complaint received 2023-09-12
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX