davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
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. (PA)

After a thorough review of the " updated '' information that the company provided after my dispute requests, the company has been found to be in violation of my rights as a consumer. 

15 U.S.Code 1692, I have the right to privacy. I did not give written consent for this information to be publicly furnished on my consumer report.

The company has willingly and knowingly violated my rights as a consumer pursuant to 15 U.S.Code 1681 ( i ) ( a ) ( 6 ) ( 3 ) ( b ).

It states a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5th day a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I've sent your company multiple letters to validate this alleged debt. Asking for the company to provide some kind of proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Also, I requested that the company provide the name, address, and telephone number of each credit grantor or other subscriber. In lieu of the disputed information, the company willfully failed to conduct a reasonable investigation dispute and your exhausted assumption is not a valid reason under the Fair Credit Reporting Act. The company has not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have the company sent me completeness and or accuracy of information contained in my consumer file. I received a notification via experian.com that the company that reported the information has certified to your company that the information is accurate. If this is true, where is the information Ive requested that I am lawfully obligated to have?.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

My American Express card was maxed out during my divorce. I tried to pay it down and felt that wasn't getting anywhere with the high-interest rate. I called American Express to close the account and I also asked if they had any payment plans to pay down the remaining balance and ultimately settle the debt. 

They said at the time that they do not offer any payment plans and that as long as the debt is in place, I will be charged late fees, accumulating interest, and my credit would be hit with rolling lates every month until the debt is paid. I was unable to afford the very high principal and interest payments and accumulating late fees. 

In 2022 they called me and said they now offer a solution to make the debt owed right to them. We set up an automatic payment plan of {$230.00} per month until the settlement amount of {$8500.00} is settled over the course of 36 months. I have made 12 months of continuous pavments and have been in good standing with them. Once I have made all the payments, I will have the derogatory remarks removed from my credit. 

However the issue Im having and was completely unaware of until I tried applying for a VA loan to purchase my first home is that even during the settlement agreement and making my payment of {$230.00} every month on time, my credit is still being destroyed with rolling lates and derogatory remarks. 

This is resulting in me as a U.S. XXXX XXXX Service Member unable to work with lenders and purchase a home. I dont understand how Im paying them back the money owed on the agreement they established with me and still my credit score is being hit every month with rolling lates for the past 3 years.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/2022, I applied for two credit cards with XXXX XXXX XXXX, and to my dismay, I was denied due to adverse information obtained from my Equifax credit report. 

Upon reviewing my Equifax credit report through XXXX XXXX, I discovered the presence of a delinquent account that had been added to my report. This derogatory account has significantly impacted my credit score and creditworthiness, causing me to be denied for credit cards and other financial products for which I would have otherwise been qualified. 

I was not informed in writing or through any other method of communication that this derogatory account would be added to my credit report. 

I have diligently disputed this account several times with Equifax, requesting an investigation into the charged-off derogatory account and its removal from my credit report due to the severe damage it is causing to my creditworthiness and the hardships it is creating in my life. 

Despite my numerous disputes and multiple letters sent to Equifax, I have not received any documentation from your Equifax, and the derogatory account continues to wreak havoc on my creditworthiness. 

In an effort to facilitate the reinvestigation process, I have also provided pictures documenting my communication with Equifax. 

I kindly request that Equifax Credit Information Services , LLC reopens an investigation into the account in question and promptly remove it from my Equifax credit report. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that a fair and thorough investigation will reveal the need for the removal of this derogatory account.
Consumer complaint received 2024-04-01
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, these accounts was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MI)

I went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XXXX to XXXX, one of the XXXX XXXX XXXX ( XXXX ) schools. I had a total of approximately {$90000.00} ( plus interest ) in what I was told were government-backed student loans to later find out that these were really either privately backed or government-backed private loans? XXXX loans? 

Before the loans came due, I consolidated them with Great Lakes XXXX XXXX with a fixed low interest rate and continued to pay and pay for an " education '' that I never used. These loans were eventually transferred to Nelnet or Nelnet is the servicer at least. 

The school was closed due to it's predatory lending practices and lies of jobs available in the fields of study, etc. This school is also included in the Sweet v. Cordona case. I am a class member of that lawsuit. I not only want my current amount owed wiped out ; I want all of the money that was paid to XXXX XXXX for my false education and all of the interest that was paid to the lender.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-10-10
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. (MD)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MO)

Hello I started XXXX XXXX XXXX in 2016. We applied for XXXX XXXX loan, received it and paid it off years ago. XXXX XXXX is the only student loan that I had or new of. This week I received a statement from aidVantage that I owed {$6500.00}. I have never new about this so called debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I contacted my school, Student Aid.gov and aidVantage. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with aidVantage. I have never received ANYTHING from ANYONE about this debt. It has been 8 years!!!! Nothing was ever sent about this debt. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! Please Help : )
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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. (CA)

GAVE NOTICE ON IXX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2.

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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)

My full legal name is XXXX XXXX and my date of birth is XXXX :XX/XX/XXXXMy social security number is XXXX : XXXX. My current address is Current address : XXXX XXXX XXXX XXXX, California XXXX. I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. 
I did not receive any money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 
Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that the information you provided is the result of identity theft.
Consumer complaint received 2023-08-17
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: SANTANDER HOLDINGS USA, INC. (NY)

XX/XX/2022 XXXX XXXX  was dated on my credit report that I am not aware of. I did not give authorize and I did not give permission to anybody to run my credit.
Consumer complaint received 2023-09-26
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. (TX)

Excuse me, I believe that I have the right to dispute any inaccurate information on my credit report as stated by the Fair Credit Reporting Act. I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 
I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I would like to request evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report.

Additionally, under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I w ill be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear TransUnion Dispute Team, I am writing to dispute the accuracy of my credit report as provided by TransUnion, specifically regarding the reporting of an account by XXXX XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Opening Date as per TransUnion : XX/XX/2021 Opening Date as per XXXX : XX/XX/2021 Opening Date as per XXXX XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like TransUnion, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-06-15
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$550.00}, XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I reached out the them and got nothing but the run around I have drove in XXXX  years Im not looking for a car and some of theses companies run my information about 5 times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed XXXX to dispute these hard inquiries over XXXX. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item XXXX5usc i68 ( civil liability for willful non compliance.
Consumer complaint received 2023-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I filed bankruptcy years ago and my private student loan was discharged but Navient said no student loan could be discharged ( not even private ) and ignored the discharge continued collections for many years later I was forced to make a lump sum large payment settlement of I believe XXXX dollars after already discharged years before due to ongoing collection activity
Consumer complaint received 2024-04-19
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.