davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX : {$670.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC (FL)

In accordance to Fair Credit Report Act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 Usc 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose
Consumer complaint received 2023-06-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On, XX/XX/2023, I sent a letter to Experian asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/2023, I sent a certified letter to Experian stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on my credit report. To date they have not complied.
Consumer complaint received 2023-10-23
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. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX  XXXX XXXX : {$670.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (OK)

IT'S TWO ACCOUNTS ON MY CREDIT REPORT THAT IS FRAUD FROM BERLIN WHEELER AND XXXX XXXX XXXX AND THEY ARE TRYIG TO COLECT MONEY ON A FRAUD ACCOUNT
Consumer complaint received 2023-10-23
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. (OH)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 updated : 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. 

Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-23
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. (OH)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 updated : 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 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (PA)

This is a formal complaint that dept of education is being non compliance as well as dealing in deceptive practices. My conclusion is the strength of following. In XXXX on I wrote dept of education a dispute regarding they sharing personal information to which was a violation of my privacy as well as the graham leaked bliley act to which their response to the complaint was In accordance with our agreements with Department of Education, we furnish your account data to the consumer reporting agencies. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal Enclosed is a copy of EDs privacy notice, which states that for everyday business purposes such as to process your transactions, maintain your account, or report to credit bureaus, we do share your information and you may not opt out of this sharing ( plz refer to complaint number XXXX ) .However under 15 us code section 6802 obligations with respect to disclosure of personal information states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. To which department of education did not do and furthermore they stated in their response that I may not opt out to which is a clear violation of the law stated above as well as 15 usc 1681a2.
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MI)

i have dispiuted this account with the credit breaurs an it was deleted. now they same ciollection account. comes back onto my credit reports XXXX with to different amounts. i feel as though the coolection agency is interfering with my life. i do not owe this company anything, This is not my debt
Consumer complaint received 2023-10-23
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$25000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$6500.00} ; DEPT OF ED/XXXX XXXX XXXX XXXX {$3400.00} ;
Consumer complaint received 2023-02-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have already paid off my debt to XXXX, so I no longer owe him any money. Although I called XXXX and requested an update on my credit, they advised me to wait for about two weeks for the credit inquiry to be removed. I have diligently made all the necessary payments to XXXX XXXX, even though I was only late for one payment. However, despite my timely payments, my XXXX and equifax report still shows that I owe a debt, which should have been closed weeks ago according to XXXX. Additionally, every time I contact XXXX, they ask me to wait and now they are blaming XXXX for this issue. Unfortunately, this situation has negatively impacted my credit score, so I have decided not to borrow from XXXX anymore if this continues to be the case
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
Consumer complaint received 2017-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Over the past 13 years, the student loans I took out to attend XXXX XXXX XXXX have ballooned out of control due to the errors, omissions and deceptive practices of Navient ( formerly XXXX XXXX ). 

Original balance on a loan I started was for {$26000.00} and another ( which I have yet to see my signatory document ) for {$19000.00} ( total : {$45000.00} ) increased while I was paying the monthly payments ( as I was able ) to {$76000.00}. 

Now I am not a finance major, but even with a few forebearances that I requested when there were financial troubles, but it seems that misallocation of my payments to forebearence fees, erroneous late fees, etc caused capitalized interest build up during my repayment program. 

So even though I was making payments, the balance only always rose. Even when I requested a fixed payment extended plan ( which would increase the overall sum I was paying ) they did not put me in that program and with variable rates increasing, the payment kept increasing. 

No one ever advised other alternatives to forebearance, nor did they advise that the interest first payment structure was going to be used. So although I made 13 years of payments, nothing was ever applied to the principal balance - and with capitalized interest - my balance has only increased. 

I am a teacher and I can only shake my head that the deceptive practices of Navient ( XXXX XXXX ) are allowed to continue like this. 

When my repayment program shifted from $ XXXX to $ XXXX, I extended the payment plan so the payment would be $ XXXX. Over the last 4 months, the payment has increased by $ XXXX so now when faced with a $ XXXX payment that never seems to decrease the principal balance, I refinanced the loan with XXXX. It took me 2 years to repair the credit reporting mistakes that Navient made to the reporting bureaus, else I would have left them long ago. 


This is exactly the type of loan program that caused the mortgage meltdown and needs to have corrective and significant action so that other borrowers are not treated like I was and they do not experience the financial hardship of ever increasing debt.
Consumer complaint received 2023-10-23
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. (MS)

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 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 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (NY)

Account name : Barclays Bank Delaware Request to have this account removed from all credit reporting agencies for the following reasons : 1 : Account Termination Removal Date is XX/XX/, yet its still on my report. 
2 : in addition to that, all 3credit reporting agencies have completely different and inaccurate information listed which are last payment date, balance, account numbers and incomplete information all explained In my attached documents. 
3 : Also on XXXX, their showing a balance in XXXX Withthe amount of {$2400.00}. O from XXXX
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I had been looking to start a business and was looking online for XXXX XXXX vending machines. 

I found some on a website called XXXX and was chatting with the manufacturer, it seemed legit and paid them everything they asked for and never received my items I havent been able to get a hold of them and was reading online that XXXX is a scam and people are forced to fork out thousands of dollars to fake XXXX manufactures that never deliver the product I need support with these fraudulent scam transactions please and thank you XX/XX/2023 - {$1300.00} XX/XX/2023 - {$4600.00} XX/XX/2023 - {$4400.00} XX/XX/2023 - {$510.00} XX/XX/2023 - {$5600.00} I did contact our local XXXX Police Department and XXXX report for these fraudulent transactions and being scammed, they advise me to file an XXXX report with the FBI, which I did as well. 

The detective approved my claim
Consumer complaint received 2023-10-23
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. (VA)

I am writing to demand the immediate cessation of a range of unlawful activities involving my account with XXXX XXXX As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number XXXX XXXX XXXX has engaged in a pattern of racketeering, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that XXXX XXXX cease and desist from any further unlawful activities immediately. 
Return of Stolen Funds and Removal of Unauthorized Securities : I assert that XXXX XXXX is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account. 
Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by XXXX XXXX, I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. 
Violation of Applicable Laws : It is essential to acknowledge that the actions of XXXX XXXX have violated several relevant laws, including : a. The XXXX XXXX and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that XXXX XXXX is held accountable for its unlawful actions. 

Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. 

I expect a prompt response from XXXX XXXX regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. 

Sincerely, XXXX XXXX