davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (AZ)

It was in XX/XX/2023 a debt collector called UCB had an entry on my report for {$840.00}. This was the first I knew about this, so I disputed it. Apparently the credit bureaus take the creditors side no matter what, because they left it on my report. Had I been given the chance I would have paid some, but never ever received a bill from these people. From all the complaints I've read about them, neither does anyone else. This is in violation to send this to the credit bureau without contacting me first. Once I disputed it on the credit bureaus I did receive something, but not an invoice or a way to pay it. I guess it was a validation and only after I disputed it with the credit bureaus.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX, and XXXX is reporting a late payment and shouldnt be according to 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. 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.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (PA)

I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I have requested a proper validation of debt that this company has failed to brandish. Further more I have been subjected to several threatening phone calls from this company stating that they are going to sue me and there will be no way for me to claim it isn't mine because " they made sure of that ''
Consumer complaint received 2023-11-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX XXXXXXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

onXX/XX/I sent experian through certified mail ( see attached file ) my complaint regarding unverified accounts on my credit report ( see attached file ) there response did not address the issue instead they ignored my request and responded with an a erroneous reply ( See attached file ) I am filing this complaint because they have purposefully made it impossible to reach anyone on the phone and ignore written complaints that clearly on the face of the document can not be ignored or misunderstood. I would like the accounts to be verified or removed from my credit as stated in the complaint.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (DC)

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for 12,000,000 in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation.

In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2024-03-20
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 (CA)

The Fair Credit Reporting Act ( FCRA ) says that companies that collect and share people 's financial information must be fair, impartial, and respect privacy. XXXX and XXXX are these companies, and I'm a customer. I have the right to keep my private information private, as stated in the Gramm-Leach-Bliley Act ( GLBA ).

The GLBA states that financial institutions, like those that share info with credit agencies, have to respect customer privacy and keep info secure.

The FCRA also says that credit agencies can only share my info if I give them written permission, according to 15 USC 1681 section 604 ( a ) ( 2 ). I never gave this permission, so they can't share my info without it. They also didn't tell me how to stop them from sharing my info, which they're supposed to do under 15 USC 6802 ( b ) ( c ).

Another part of the FCRA, 15 USC 1681C ( a ) ( 5 ), says that credit agencies can't share negative info about me without my permission, unless it's about a crime more than seven years old. They're sharing negative info about me without my permission, which is against 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ).

Furthermore, if someone knows that the info they're sharing about me is wrong, they're not allowed to share it under 15 U.S. Code 1681e. Credit agencies are supposed to have rules to avoid sharing wrong info and only share info for certain reasons.

Lastly, under 12 CFR 1016.7, I have the right to tell them to stop sharing my info at any time, but they didn't inform me of this right. So, I'm telling them now that I don't want them to share my info anymore.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-18
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: SYNCHRONY FINANCIAL (FL)

A salesperson told me I should apply for an account. He did not provide e with any information and I was mislead. I did not mean to apply for a hard inquiry credit card. I did not mean to authorize an inquiry on my credit report on Monday, XXXX XXXX. Please, help me by removing it. I did not know what I was applying for. The bank is Synchrony Bank and I have notified them. I am XXXX and feel I was taken advantage of by the salesperson.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I went into XXXXXXXX XXXX in the area i am located and i tried to open up a business bank account and credit card at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB i told him i was aware that my information had leaked and i was a victim of the XXXX XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the XXXX data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?
Consumer complaint received 2023-12-29
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-20
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)

In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account XXXX are inaccurate in all XXXX bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 credit bureaus.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I had XXXX loans initially totaling {$38000.00} approx. I applied for PSLF and the SAVE plan. I was credited XXXX months for PSLF ( which I have proof of ), and my monthly payment under the SAVE plan would be {$130.00} monthly. Which I have proof of also. A few months passed and I received an email explaining that I needed to consolidate the loans and was told that it would not affect my XXXX credits or my payment. I even sent a message, which Mohela never responded to, stating that if it would affect my PSLF or payment, I did NOT want to consolidate. Mohela never responded. Fast-forward to my XXXX loans being consolidated down to XXXX, and my PSLF is now at XXXX, and my payment is a whopping {$460.00}?!?! Per month under the SAVE plan. Mind you this was the same exact plan I was under BEFORE consolidating. So, I called Mohela and was told that it was a glitch and that my XXXX payments should show up at some point ; however, it was out of their hands. But, I should call XXXX and request them to credit the XXXX months, or I could request to undo the consolidation. So, I called, and the agent said they could not credit the XXXX payments or undo the consolidation. She recommended I call Mohela back. So, I did that. Mohela then said I needed to call XXXX as they would credit it. I called XXXX, and they said it was the servicer 's responsibility?!?!!!!!!!!! 
Furthermore, they ( Mohela ) recommended I reapply for the SAVE plan, which I have 4 different times since the original {$130.00} payment. They either cancel the application or mark it as duplicate. I even called and requested that they please not cancel/mark it as duplicate, which they said they would do. Well, I just logged on, and guess what?! They marked it as duplicate, and my payment is still {$460.00} per month. It is beyond frustrating!!! I filled out XXXX years of different employers and contacted everyone at those jobs in 3 different states to have them complete the PSLF application only for Mohela to take the XXXX payments away and only show XXXX even after the PSLF applications say the process was approved. I am beyond done with Mohela! They take hours to answer the phone and do not respond to messages at all!!!
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (SC)

I 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, who's studying XXXX XXXX, helped 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 if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

THIS COMPANY DONT HELP XXXX PEOPLE AND TRY TO HOLD THEM BACK BY LYING TO THEM ABOUT THE LINE OF CREDIT AS I KNOW THAT IM THE SERCURE CREDITOR AND THEY CANT DENIEL ME A EXTENTION OF MY OWN CREDIT THEN WHEN TOLD THAT THEY WAS VIOLATING 15 U.S.C. 1611 THEY STILL DID NOT CARE AND STILL STAY WITH THEIR LIE ... ... ..I WILL BE FILING A FEDERAL LAWSUIT BECAUSE IM BEEN TRYING FOR 13 YEARS AND BEEN TOLD THE SAME THING FOR 13 YEARS THIS GOT TA BE THE BIGGEST XXXX  PROBLEM I BET IF I WAS XXXX  IVE BEEN HAVE MY CREDIT THE RIGHT WAY WHEN I NEVER MISS A PAYMENT OR BEEN LATE THIS IS BECAUSE XXXX XXXX AND IN THE WRONG AREA FOR CAPITAL ONE SO THEY MAKE ME LIVE THE WAT THEY THINK
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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: BARCLAYS BANK DELAWARE (AR)

In accordance with the fair credit reporting act, Barclays Bank Delaware Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-03-18
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-29
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. (NC)

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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have recently reached out to all 3 major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments.

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked 90days late by XXXX but marked paid on time by Experian. XX/XX/XXXX I was marked paid on time by Experian and XXXX, but 30 days late by XXXX. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX. XXXX XXXX  Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.