davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (UT)

I purchased solar panels back in XXXX, Good leap is the company that financed the loan. The XXXX XXXX XXXX XXXX XXXX XXXX promised a lifetime warranty which is not being honored ( based on attached lawsuits I doubt it ever will ). Gooleap is allowing loans to be offered based with terms they clearly know are false. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

XX/XX/XXXX I was a junior/senior at XXXX Univerisity. Mid semester I believe around XX/XX/XXXX or XX/XX/XXXX my school notified me that they were sorry but Sallie mae took back your loan because that specific loan and will not give it back. I ended up coming back home an facing and extreme debt .. I then worked retail jobs to pay for a XXXX school part time so that I could attempt to finish.. while delaying my loans.. i entered XXXX in XX/XX/XXXX and most of my credit or some didnt qualify because I went from private college to XXXX. I had to work my way to school hoping to get a career to one day pay this large debt. Since having this debt I have been XXXX   and currently was out of work for 2 months with a XXXX XXXX XXXX XXXX. I am now struggling once again with all my loan debt due and no options for anything else and I have 3 more classes left of school and due to my illness now have to hold off again.. if I had graduated in the summer of XX/XX/XXXX and my loan had not been taken away I would have never had to be in such a large debt. I am current looking for lawyers as it would be impossible for me to pay off the over XXXX debt with my retail job and because my loan was private Navient is now hitting my credit score. I need advice or secure and safe lawyers I can use as when previously seeking outside assistance I was scammed and the companies did not help with my debt. Navient only leaves me in the option to pay and although this has cause me extreme XXXX  I dont mind spending my life in court battling it out with them at this point.
Consumer complaint received 2018-09-13
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: Experian Information Solutions Inc. (NC)

I have a fraud alert on my credit report with Experian, XXXX, XXXX the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I don't recall having a contractual relationship with this collection company CREDENCE RESOURCE MANAGE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-01-20
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. (DE)

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.
Consumer complaint received 2024-03-18
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XX/XX/year> around XXXXXXXX XXXX I was contacted by someone saying they were from my bank Wells Fargo. The number was the number from the back of my ATM card. They said that they noticed someone trying to access my account through XXXX XXXX. They had a few of my last transactions which were correct. They also stated the reason I was not receiving alerts was due to them being redirected to the person using my account. They had me open my wallet supposedly in an attempt to reestablish alerts. Once I opened XXXX XXXX I started getting notices that someone was trying to connect to my XXXXXXXX XXXX. I replied NO every time and when I started to question the person on the phone my phone shut down, went into SOS mode. I tried to access my XXXXXXXX XXXX  and they had already changed the account information and I was locked out. They then accessed my ATM card and transferred XXXX to XXXX XXXX XXXXXXXX will not help at all. I contacted the bank, opened a case, shutdown my online account, changed all emails and passwords for all accounts.
Consumer complaint received 2024-07-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NV)

I took a class on line back in XXXX from XXXX XXXX university XXXX XXXX around {$1300.00} my mom passed away and we received money from the government program called XXXX  I couldnt receive my share unless I paid off my student loan which I did. Couple years later I was contacted by Navient a collection agency. I made years of payment to prevent from my credit being ruined. But I have paid XXXX time over what I had borrowed. I just never received confirmation of payment from department of education I hope you can help me. I have tried but have had no luck. I believe Navient owes me back pay for all I have paid them. Please help me. 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 status incorrect
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2023-02-25
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. (FL)

I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers
Consumer complaint received 2023-05-07
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. (FL)

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.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (LA)

I submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from Equifax. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2023-02-10
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: EQUIFAX, INC. (NY)

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.
Consumer complaint received 2023-08-31
Product: Credit reporting 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 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 2023-06-07
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. (FL)

This is XXXX XXXX and I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items I found being reported on my Credit File. Upon reviewing my records, I have come across several accounts and information that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I kindly request the Credit Bureausr assistance in investigating and removing the following unauthorized accounts and information from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureausr legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from my credit file.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I requested that the information be investigated for the inaccuracies of ( 2 ) Bankruptcies that Experian is reporting. I requested the steps taken to conduct the investigation and for them to provide the company that allegedly verified this information. XX/XX/2023 was the date of the last dispute letter sent out to Experian, where they failed to provide any of the requested information. Instead they provided an updated credit report that the information was verified. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by Experian which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. Experian claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcies on a file that they presently have associated with me.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (LA)

I asked them to investigate the accuracy of their reporting. They have tried to re-aged my account with them on many occasions. They have not responded to me in any form whatsoever. It has been over 30 days.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (GA)

XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-06-16
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: Experian Information Solutions 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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
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. (IL)

Hello, My name is XXXX XXXX, and I'm lodging this complaint because it's the third time I've reported my identity theft, yet no action has been taken. The credit bureau hasn't responded to my disputes, and neither have the companies involved. I feel like my consumer rights are being violated. As the victim, I can't get the assistance or response I need from the companies overseeing credit reporting. If no action is taken, I'll have no choice but to pursue legal action.