davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MD)

The school has recently been found guilty in the XXXX class action lawsuit. 

I was XXXX when I took out the loans as I was pressured into taking them after being told I wouldn't be able to graduate. The advisors at this school used predatory lending tactics, and my parents should have been included in these conversations. At the time I was very young, naive, and desperate to pursue a career after growing up in poverty. They most definitely took advantage of that. There is also documentation that has forged my signature. XXXX XXXX XXXX among many other for-profit colleges manipulated thousands, if not millions of students and there needs to be accountability. 

Years ago before many advocacy groups took action I tried retaining a lawyer to fight these private loans to no avail. I have hope that with the school closing and the acceptance of their guilt in my federal loans, I can seek relief for these as well. The same actions that made me eligible for forgiveness in my federal loan should apply here. There should be no institutions that are above the law.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

see transunion and XXXX  in XXXX XXXX XXXX. tired of transunion XXXX with my credit score. TU just made homeless playing with credit score for no reason. how in the XXXX you go from XXXX XXXX XXXX to a lousy XXXX credit score and you have done nothing like be XXXX enough to go get my XXXX back in deb after bankruptcy. WHAT STUPID PERSON DOES THAT? 
EXPERIAN AND TU BOTH can explain this to a Ohio, XXXX XXXX courts XXXX. 

I am going to fight like XXXX to get this mess they have caused me corrected. 

XXXX has their INFO right. I am coming for these two credit bureaus and yes I am going to file DISCRIMINATION YOU BETTER BELIEVE IT. 
I am also going to be adding the consumer protection to my law suits for allowing these 2 credit bureau to not follow US federal unfair credit act.
Consumer complaint received 2024-06-10
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. (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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The payment details for this account are entirely wrong. Having automatic payments on my card means I can't be late. Correcting this mistake is crucial, so I'm asking for swift action to fix and completely remove this late status. Your quick attention to this matter is highly appreciated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My wallet was lost on XX/XX/2018 and I reported it to the bank on XX/XX/2018 to shut the account down. Bank of America did not shut the account down and continued to allow purchases to be charged to my account. I completed a dispute of all charges totaling over XXXX dollars as they occurred by viewing my account on line. They paid the claim then came back a month later and reversed the claim taking all the money back stating XXXX  XXXX  said I was a regular customer. I informed them that I have never ever used XXXX  XXXX or XXXX  in my life and to get them to provide proof that it was me. Bank of America refused to do so and stated that they were done. I filed another complaint sending in the police report, but they refused to do anything. The police arrested three males with my identification and bank card in their possession. Bank of America was sent that information and still refused to give me my money back. I feel that as a victim of a crime I was being robbed of my rights and taken advantage off. They showed no interest in doing their job correctly and properly investigating this case to the fullest. If that had been done the bank would know that I was the victim and did nothing wrong. Instead the bank took that money back from my account causing me a financial hardship because I was right in the process of buying a home and was unable to pay my bills. The claim number with bank of America is XXXX. I continued to contact them with no resolution what so ever. I am so lost and hurt because someone can steal my money and the bank did nothing about this incident, nor did they protect me and my money. Because they made the mistake by not closing my account.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-06-10
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On or around XX/XX/year>, PenFed Credit Union drastically reduced my credit by about {$4000.00} ( $ XXXX to $ XXXX ) shortly after I made a large payment toward my balance of about {$4000.00}. When I called them to ask why they did this, they said they did an " automated review '' of my account and the systems concluded that my limit should be drastically reduced. My history with this company has been spotless. I never missed a payment and tried to maintain my account in good standing. I never went over my limit. The reason I paid the large payment was that I am trying to get my credit utilization down to improve my credit score. I feel like the company took advantage of my large payment. Their reasoning also included that " they are coming down hard on credit limits ''. Given that my account was in great standing, I feel this is unfair. They gave me no avenue to get back my credit limit back to what it was before.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof
Consumer complaint received 2024-07-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Falls Collection Service Inc. (IL)

Summary of Complaint : I am filing a formal complaint against FALLS COLLECTION SERVICE concerning an alleged debt they claim I owe. Despite my numerous requests, FALLS COLLECTION SERVICE has failed to provide the required validation information as stipulated by 12 CFR 1006.34 ( b ) ( 5 ). They have also placed a collection entry on my consumer report without allowing me the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). These actions appear to be a violation of consumer protection laws and have caused significant harm to my credit profile.

Details of Complaint : Failure to Provide Debt Validation : FALLS COLLECTION SERVICE has not provided the validation information for the alleged debt, as required by 12 CFR 1006.34 ( b ) ( 5 ). Their failure to validate the debt while placing a collection entry on my consumer report is unlawful.

Failure to Allow Dispute : FALLS COLLECTION SERVICE has not afforded me the opportunity to dispute the alleged debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission denies me the ability to address the accuracy of the debt.

Misleading and Deceptive Practices : The actions of FALLS COLLECTION SERVICE appear to violate 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( A ) due to their reporting of the debt without fulfilling the required disclosure and validation obligations.

Request for Resolution : Immediate Removal of Collection Item : I request that FALLS COLLECTION SERVICE remove the collection entry from my consumer report immediately. Their failure to provide proper validation and allow me to dispute the debt indicates that the entry is not in compliance with legal requirements.

Cease Communication : I also request that FALLS COLLECTION SERVICE cease all communication with me via email, text, or phone calls, as I am exercising my rights under the FDCPA to revoke these forms of communication.

Requested Action : Please ensure that FALLS COLLECTION SERVICE removes the negative collection entry from my consumer report without delay. Their non-compliance with validation and dispute requirements should result in the immediate removal of this item from my credit profile. 

Consumer Information : Name : XXXX XXXX Debt Collector Information : Name : FALLS COLLECTION SERVICE Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted the CFPB on XXXX in regards to the account XXXX XXXX XXXX. I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet you refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report. The consumer reporting agencies are governed by the FCRA therefore if XXXX has completed an investigation and deleted this account then you also have to remove it as well. I am demanding the immediate removal of this account. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (CO)

I received a debit card in the mail ( Cash App through Square ). I did not apply for it and have a block on my credit to not be able to open cards in my name. The card is through XXXX bank. When I reached out to the Cash App support there is no way to get ahold of anyone in any way, no email, phone says call volume too high and won't take calls, and request for code to login is also not available.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 my account 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. 


XXXX XXXX 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 1002 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
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn (NY)

The firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) has indicated they are suing me for a debt owed to XXXX XXXX bank. 

They filed the attached with the court claiming I owe the same amount to XXXX XXXXXXXX XXXX. 

I am extremely confused as you can see MJRF 's internal index number ( their MJRF # ) is the same on both the summons and complaint for XXXX, and the affidavit from XXXX XXXX  XXXX. 

I do not bank with XXXX  XXXX XXXX, have no history with XXXX  XXXX XXXX. 

In addition, I am disputing the debt from XXXX. 

It therefore seems that MJRF does not properly review their files, and this is evidence of this fact. They seem like they are some kind of boiler room for debt, trying to collect without any care for facts.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!! 


Account Caine & weiner XXXX XXXX
Consumer complaint received 2024-01-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (CA)

My name is 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. Please delete the account : XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$720.00}
Consumer complaint received 2024-06-10
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. (FL)

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial XXXX  and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct these late open accounts and remove the late closed accounts immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00}.