davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (TN)

On XX/XX/2019 1STPROGRESSXXXX reported on my credit for the amount of {$140.00}. They are unable to collect a debt or report to credit due to not been licensing or having a bond in the state of TN!
Consumer complaint received 2019-01-02
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. (FL)

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-12-22
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. (MS)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-12-21
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. (IN)

According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your student loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my student loan records nor did I give consent for XXXX to contact me regarding any finances or my student records. They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.
Consumer complaint received 2019-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (CA)

CLARK COUNTY COLLECTION is reporting that I owed XXXX  {$1400.00} on account number # XXXX as of XX/XX/2014. This is not my debt, yet this collection agent keeps reporting the debt when I dispute it. This debt collector has ignored several letters in which I have asked for information on this account, such as the service address and the full name and social security number on the account in order that I can verify if identity theft has even occurred, or if there is some error in the reporting.
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

The company XXXX XXXX XXXX XXXX is reporting on my consumer report fraudulently. I have no knowledge of this collection account. XXXX XXXX XXXX XXXX also committed Identity Theft. On XX/XX/2023 XXXX XXXX XXXX XXXX pulled my credit report without my knowledge or authorization. This is a violation of the FDCPA and FCRA. See attached.
Consumer complaint received 2024-04-22
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. (IA)

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. AS CONSUMER, I AM REALLY SO FRUSTRATED THAT NO ACTION IS BEING TAKEN BY THE FOLLOWING BUREAUS : XXXX : XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) and ACCOUNT NAME AND NUMBER must be removed.. 


XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and { ACCOUNT NAME AND NUMBER } must be removed. 
XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX  Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed TRANSUNION : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX  Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone in regards to my Income Driven Repayment Plan since I had received notification my payment would increase from {$0.00} to {$110.00}. I worked with XXXX who advised me to submit a Change Plan Request at Navient.com then to select the fifth option stating " income-driven repayment with the lowest monthly payment '' and that it would lower my payment to approximately {$75.00}. XXXX advised me that he would send me an email and that I would select : email -- > return applicant -- > change plan request -- > lowest monthly payment ; however once I reviewed the email I found it was not in this format. 

I then emailed Navient on their website and they emailed back on XX/XX/XXXX that I would submit the request on studentloans.gov and it was the " easiest and quickest way '' ; however again it was not explained how to submit for the lowest monthly IDR repayment plan. 

On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone again and spoke to XXXX. XXXX walked me through and advised me to go to : studentloans.gov -- > " Repayment & Consolidation '' -- > " Apply/Re-Certify/Change an Income-Driven Repayment Plan '' -- > " Switch my current plan to a new plan '' -- > " I am submitting documentation early to have my income-driven payment recalculated immediately ''. XXXX also advised me to go to Navient.com and select : " Inbox/Upload '' -- > " Repayment Plan '' -- > " The Income-drive repayment plan with the lowest monthly payment '' ; in regards to submit proof of income. XXXX emphasized just as XXXX had on XX/XX/XXXX that my payment would be approximately {$75.00}. However, on XX/XX/XXXX I received an email from Navient stating " we've approved your request for an Income-Driven Repayment plan '' with the unaltered monthly payment of {$110.00}.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE PREVIOUSLY XXXX  court central C XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. Docket number XXXX as the court dose not report bankruptcies to the CRA and i did not give any other agency to report my information WITH YOU, AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE. STATIN THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT XXXX EITHER AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMEN DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE XXXX MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2018-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I initiated the request for mortgage assistance with Bank of America at the end of XX/XX/XXXX. I was unemployed from XX/XX/XXXX to XX/XX/XXXX and my new salary was reduced by 20 %. I filled out the required information, submitted the requested documents, and was promised a quick turn around. It is now XX/XX/XXXX. BOA has asked for dozens more documents, letters, revised RMAs, etc. It is never enough. This is obviously a run around process to discourage me from seeking a modification and pushing me to a refinance. I am seeking a reasonable offer to modify my mortgage ; it is currently a 15 year, XXXX mortgage, with a principal, interest, tax, and insurance payment of close to {$6000.00} a month!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I recently submitted a complaint through the CFBP portal outlining the fact that Experian has illegally placed an entry onto my credit file. Instead of deleting the credit entry, Experian ignored the complaint and closed their response through the CFPB portal without resolving the issue. Experian continues to place an old, unverified Aleged debt from 2003 that stems from a closed XXXX XXXX XXXX XXXX XXXX The case was based on fraud and got dismissed by an XXXX XXXX XXXX XXXX XXXX. Without any certified evidence, proof or documentation from a Judicial officer, Experian arbitrarily creates a credit entry as a negative item onto my credit file. I've never authorized Experian, nor the furnisher permissible use and access to my personal credit file. In addition, reporting a child support case on my credit report is unlawful. The law states thats only credit transactions have the lawful means to be reported onto a credit profile. XXXX XXXX is not a bank or any other financial institution. An alleged Child support debt ambiguous, and is not a credit transaction. 

In addition, this credit reporting agency does not conduct any research or investigation into my CFPB complaints whatsoever. They have found a way to navigate around the CFPB complaint process using stall tactics ; they use the 15-60 day complaint resolution window to do nothing but act as if they are researching and fixing their mistakes. This is the XXXX time I sent a complaint through this process and this reporting agency does nothing to resolved the issue that they created. Experian purposefully and maliciously sabotaged my credit report then strays away from accountability. The CFPB needs to file suit against this agency for breaking credit reporting laws, and failing to correct their mistakes.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX out of XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-22
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. (OR)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] are not complete and accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (VA)

REF XXXX XXXXXXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report and Police Report. 

I have attached a copy of a Warrant in Debt from XXXX XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX case XXXX XXXX, that shows XXXX XXXX XXXX XXXX XXXX who you sold this account to ) & OneMain Financial XXXX LLC suing XXXX XXXX for a debt not mine. 

This information is located onlineXXXX XXXX XXXXXXXX Take Note : This case was dismissed with prejudice, attesting this debt is not mine ; therefore, I am not legally responsible for this debt. 

Your company has 10 days from receipt of this notice to remove this tradeline from all credit bureau reporting agencies. Failure to do so, reaffirms your failure to follow the court order and FCRA, FDCP, and UDAPP regulations. 


I will be seeking legal alternatives if this tradeline is not removed by XX/XX/2023 from all credit reporting bureaus. 


In accordance with the Fair Debt Collection Practices Act, you must remove this tradeline from all reporting agencies. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Please send me a letter explaining what you have done to : Stop reporting information about the debt to all credit reporting companies Provide me with the records I request
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-22
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are 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 **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$90.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-12-22
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.