davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
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. (CA)

In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to XXXX XXXX debt bondage, which is covered under trafficking as per the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I respectfully request that this information be blocked from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only two being necessary under the law. Furthermore, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

I am having an issue getting my consumer report from XXXX XXXX  XXXX XXXX. I want Clarity Services to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely. 

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system Attached to this CFPB Complaint, I have attached Proof Copy of Inaccurate Findings On My Credit Report. I Have Circled In Red all Inaccuracies On Credit Reports With XXXX, XXXX & Experian.
Consumer complaint received 2024-08-07
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Money Network managers the debit cards for Employment Development Department of California payments. They refuse to try to help me figure out where {$1500.00} they transferred in funds in one transaction, that does not match any other bank transactions. I believe someone fraudulently hacked my account and transferred the money. Money Network will not give the bank account number the debit funds were transferred to, but all other funds have gone only my bank account ending in XXXX. I am at a loss as to how to try to recover the funds.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (OH)

They are claiming that I called in late I never called they have no record of me calling and that I was late on my payment and there's a free phone system now you call in the phone system is completely different after my last complaint and now you can't talk to an agent at all no accountability with this company on top of that late interest payments are supposed to be around {$8.00} they charge me XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights To Resolve Inaccuracy, Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely.

According To 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-01-06
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. (NC)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  Balance : {$760.00} ; XXXX XXXXXXXX  Balance : {$21000.00}.
Consumer complaint received 2021-03-03
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. (GA)

Sent the attached letters about 50 days ago. I just dont understand why the credit bureaus are not taking responsibility to protect me as a consumer and make sure my credit report is up to date and showing accurate information
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV INC. (NY)

To whom it may concern ; I am writing to request that you freeze my account and not allow access unless specifically authorized by me. Additionally I would like to opt out of presented credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit. Thank you
Consumer complaint received 2024-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions mortgage is not using correct accounting practices on an escrow account It's over life of loan that started in XXXX  Called multiple times, representatives do not understand what I am explaining to them. Visited branch, employee was to get me some assistance, never heard back. 
Wrote a letter with documents no response.
Consumer complaint received 2024-01-06
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. (NC)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I didnt receive notice of the debt, I do not authorize that debt according to my consumer rights. I have tried to dispute multiple times do to my rights of them reporting false information upon my credit report the information is inaccurate an LVNV FUNDING LLC does not want to respect my rights an a consumer they are violating them. That has taken a big toll on my credit report an would like to have it deleted and removed off my credit report.
Consumer complaint received 2024-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My inner was sold and brought illegally I was a victim of the XXXX XXXX XXXX I want these items deleted from my credit reports effective immediately I am attaching proof that the XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports
Consumer complaint received 2024-01-06
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: NAVY FEDERAL CREDIT UNION (TX)

To whom it may concern the reason of this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with NAVY FCU, I have also reached out asking they remove the inquiry from my credit profile. Please launch an investigation into NAVY FCU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid. I am requesting that it be removed from credit report as soon as possible. However, if NAVY FCU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention this matter. The following inquiry must be removed immediately. 

1.- Creditor Name : NAVY FCU 2.- Date : XXXX XXXX - XXXX
Consumer complaint received 2024-01-06
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: NAVY FEDERAL CREDIT UNION (TX)

To whom it may concern the reason of this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with NAVY FCU, I have also reached out asking they remove the inquiry from my credit profile. Please launch an investigation into NAVY FCU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid. I am requesting that it be removed from credit report as soon as possible. However, if NAVY FCU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention this matter. The following inquiry must be removed immediately. 

XXXX Creditor Name : NAVY FCU XXXX Date : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-06
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. (NC)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-01-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT # 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, 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 2024-07-06
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. (CA)

Subject : Opt-Out Notice, Request for Verification of Accounts, and Compliance with Federal Regulations Dear Sir/Madam, I XXXX XXXX a federally protected consumer am writing to formally request the following actions regarding my consumer credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC 6801, and 15 USC 6802, as well as noting a potential breach under the 1974 Privacy Act.

Opt-Out Notice : I hereby revoke any authorization, whether verbal, non-verbal, written, or non-written, for the reporting of my non-public personal information to any third party, pursuant to 15 USC 6801 which protects non-public personal information from unauthorized disclosure. 

Request for Verification : I request irrefutable proof that all negative accounts currently being reported on my consumer report comply with federal guidelines, as set forth in 15 USC 6802 ( B ) and ( C ) : ( B ) Ensure that I was given the opportunity, before the initial disclosure of such information, to direct that it not be disclosed to third parties. 

( C ) Provide an explanation of how I can exercise the option to prevent such disclosures. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 


Privacy Act Concern : I am concerned that my rights under the 1974 Privacy Act may have been breached. I request information on any disclosures made under my name that were not authorized by myself directly. 

Please provide the following information within 30 days from the date of this letter, as mandated by the FCRA. If you are unable to provide this information within the specified timeframe, please remove the disputed accounts from my consumer report until such time as you can provide the requested verification. 


Also remove all personal information from my consumer report. my current address is XXXX XXXX XXXX # XXXX XXXX Ca, XXXX all other address are non mailable and must be removed from my credit report.
Consumer complaint received 2024-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (TX)

Navient is showing that I have 4 private loans with them. I called them on XX/XX/XXXX to ask why they are still showing these loans on my account if they were discharged in bankruptcy. I filed bankruptcy in XXXX and again in XXXX. So those loans would have been automatically discharged twice. The person I spoke with said that student loans are not discharged in bankruptcy. I told her that private student loans, especially ones that are disbursed in excess of cost of attendance, are discharged. She then told me to have my attorney send them the information.

I spoke to the attorneys from both bankruptcies and they said the loans should have been automatically discharged and that they did not know what they should send to Navient and to where they should send it. I called Navient again on XX/XX/XXXX and the first person I spoke with again told me that student loans are not discharged. I explained again that private student loans that are disbursed in excess of the cost of attendance are. I asked to speak to a manager, who told me that she would forward this information to their ombudsman department and that they would get back to me within 5-7 days. It has been more than 14 days and I have not heard from them. 

The documents, including the discharge order and the petition, from the XXXX bankruptcy are attached.
Consumer complaint received 2024-03-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Legal Action Bureau Inc (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists.
Consumer complaint received 2024-01-06
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-06
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. (MD)

cMonths ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX