davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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. (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. XXXX XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}. Please delete this account ASAP.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (SC)

Subject : Complaint Against XXXX XXXX XXXX and LVNV FUNDING LLC Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX and LVNV FUNDING LLC regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. 

On XX/XX/2023, I discovered that XXXX XXXX XXXX had sold my debt to LVNV FUNDING LLC and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. 

I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that LVNV FUNDING LLC may have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXX XXXX XXXX may have violated the FCRA by inaccurately reporting my debt after reopening the account. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and LVNV FUNDING LLC if any violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. 

In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and LVNV FUNDING LLC , as well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. 

I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX
Consumer complaint received 2023-10-25
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. (FL)

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 delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XX/XX/XXXX
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

XXXX XXXX and XXXX on XX/XX/2018 notified me of a 30 day late payment on my mortgage through my mortgage company Freedom Mortgage. I pay my mortgage electronically through my banking institution and have never been late with mortgage payments in 16 years. The issue is the escrow increased and I was not notified. The actual monthly payment was submitted but the {$40.00} escrow increase was not included. I was not notified of the escrow increase.
Consumer complaint received 2023-10-25
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I feel that I was given bad information and encouraged to put my student loans in forebearance, rather than other reasonable options, income driven payment, nurse loan assistance etc. I was never given information and encouraged into forebearance, now my interest and student loans are well out of control in excess of {$450000.00}! I feel lost, a victim, scared for my family 's finincial health etc
Consumer complaint received 2023-10-25
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 frustration and concern regarding the multiple and unsuccessful attempts to remove fraudulent items from my credit file. Despite consistent efforts and a substantial amount of documentation supporting my claims, these fraudulent items continue to tarnish my credit history, causing me significant distress and financial consequences. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency and provided extensive documentation to substantiate my claims of identity theft and fraud. These documents include police reports, affidavits, and dispute letters. 

Despite my multiple efforts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The negligence in addressing this issue has had devastating effects on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit file to verify the existence of the fraudulent accounts. 

An investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter, as well as an outline of the steps being taken to expedite the process. 

Written confirmation of the actions taken to rectify this situation and a clear timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that fraudulent items be promptly and accurately removed from my credit report. I expect that your agency will adhere to these federal regulations and work to resolve this matter in an efficient and satisfactory manner. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Despite multiple communications with Nelnet, my forbearance has not been lifted. On XX/XX/23 I spoke with a representative who told me she would remove the forbearance on my account so I could make my first payment in XXXX and have the remainder of my interest subsidized under the SAVE plan. She told me that even if I was autobilled later in XXXX, it would retroactively bill for XX/XX/23. However ; the next representative I spoke with on XX/XX/23, stated that was not the case and I would not be billed until XX/XX/23. I need my forbearance to be lifted as soon as possible so my student loan interest does not continue to accrue, while I am unable to make payments under the SAVE plan.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

In Accordance with the fair credit reporting Act this creditor ( Target ) has violated my rights. under 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Consumer complaint received 2023-11-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX has reported 11 negative marks on my credit history as default/late/not paid. 1 ) These loans have been paid in full and transferred. 2 ) There is not 11 loans - some loans are marked twice on my credit report rather than once 3 ) these loans are over 10 years old and should not be on my credit report at all.

I've repeatedly reached out via mail to fix this with no reply. When I've disputed through credit bureaus, they've told me the information is accurate and has been verified by XXXX. XXXX XXXX is no longer in business and can not be reached for resolution. 

" XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XX/XX/2022, and all loans in the XXXX portfolio have been transferred to other servicers. ''
Consumer complaint received 2023-10-25
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-10-25
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: DISCOVER BANK (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. DISCOVER BANK XXXX.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-04-20
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. (CA)

Consider this complaint as a follow -- up to ensure that this account is verified completely. 
The account is reporting mistakenly and I want its status to be fixed as soon as feasible. 

Please authenticate this listed account : XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (PA)

An unknown individual obtained a credit card with FNB Omaha using a fraudulent ID card with my information and the suspects picture on it. Subsequently over {$14000.00} worth of fraudulent transactions were made. I alerted FNB Omaha of the fraud and filed a police report. FNB Omaha did not remove the fraudulent account from my credit report.
Consumer complaint received 2023-10-25
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 frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX Balance : {$59.00} XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Original Creditor XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$660.00} Original Creditor XXXX XXXX XXXX  XXXX Balance {$130.00} XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-09
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. (KY)

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 XXXX 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.