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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are hard inquiry on credit report i have not allowed 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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

There are hard inquiry on credit report i have not allowed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A. (NY)

Please see attachment. 

Citibank sold my account to XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I was offered to settle for a reduced amount, which I did. 

Citibank filed a cancellation of debt for XXXX  with the IRS. This account is settled and closed. 

It should not continue to be reported to XXXX, XXXX or XXXX. This has been resolved. Citibank has had information deleted in the past. I am simply asking for the same courtesy again.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (ND)

My student load with Mohela was completely forgiven as of XX/XX/2023. It still has not been reported to the credit bureaus as forgiven or paid. I've emailed Mohela and filed a dispute with XXXX to no avail. Thank you. 
XXXX XXXX
Consumer complaint received 2023-10-23
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: NAVY FEDERAL CREDIT UNION (FL)

I recently reviewed my XXXX credit report and found unauthorized inquiries. 

I am submitting this report and will be sending the dispute below to the XXXX XXXX XXXX Assistance Department. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : NAVY FCU XXXX XXXX XXXX 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 — Account status incorrect
Company: EQUIFAX, INC. (CA)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2024-03-14
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. (PA)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, 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 Balance : {$24000.00}, XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-04-19
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: SYNCHRONY FINANCIAL (FL)

I PURCHASED 2 EARINGS FROM JCPENNY. RETURNED 1 TO STORE THE OTHER 1 WAS NEVER RECEIVED. i NOTIFIED JCPENNY. I WAS TOLD TO FILE A POLICE REPORT AND SEND TO THEM. I DID BOTH. NO RESOLVE. AFFFTER MONTHS JCPENNY HAS DOUBLED THE AMOUNT OF 1 EARING TO 2. Y CREDIT SCORES AT THE CREDIT BUREAUS HAS DECREASED OVER 170. POINTS. THEY HAVE RUINED MY GOOD CREDIT RATINGS. I HAVE NNOTIFIED THEM MY EMAIL MANNY TIMES AND HAVE WRITTEN TO THEM WITH PROOF. STILL HAVE NOT RECIEVED ANY NOTIFFICATION ONLY BILLING INCREASING THE AMOUNT.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 15 U.S.C 1681b XXXX  has violated my rights.

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( a ) Notice Requirements 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.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.
Consumer complaint received 2023-04-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

Radius, a debt collector that is not licensed in California, and therefore harassing me since they have no standing to collect debts in California is providing fraudulent billing allegedly from XXXX XXXX where the math does not even add up ( see attached ). The copay for preventative care is {$0.00}, yet on the billing statements, after receiving {$1400.00} included a copay check of {$7.00} from me, they claim they are owed an additional {$85.00}. This is a scam and I have reported it to the Office of the Inspector General at the Office of Personnel Management -- but in the meantime while they investigate I want this unlicensed debt collector to stop harassing me for a debt I do not owe.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (AZ)

Hello, I am a XXXX XXXX and I XXXX XXXX XXXX in XX/XX/XXXX with 4 unsubsidized and 4 XXXX XXXX  loans. The unsubsidized don't enter repayment until XX/XX/XXXX. However, the XXXX XXXX loans entered repayment on XX/XX/XXXX. 

I was unable to make an account from XXXX due to website issues with Aidvantage, my loan servicer. I finally was able to log in on XX/XX/XXXX and saw that my XXXX XXXX loans had entered repayment on XX/XX/XXXX and I was receiving past due notifications for {$3100.00}. However, I had meant to apply for the XXXX program, as I am not able to afford this in XXXX. My XXXX XXXX counselor helped me. We discovered that using the Aidvantage website, I was unable to apply for XXXX using my tax information from last year, which would make my payments XXXX because of XXXX income last year. I was only able to set up SAVE using my tax info when I directly went to XXXX. 

Now, I have to take care of this false balance of {$3100.00}. It was not supposed to enter repayment until XX/XX/XXXX, like my unsubsidized loans, and then should have been {$0.00} per month because of XXXX. So I needed to address this with Aidvantage or apply for a 6 month post enrollment deferment to have these charges undone, however I was not able to get into contact with Aidvantage. I was on hold for 2 hours twice without getting into contact with anyone. I tried to schedule a call back from the website, however every available slot was grayed out and so I was not able to do that. I have not heard from them, and I am concerned because I am worried about being reported as having late payments to the Credit Bureaus. 

Please help!
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. (IL)

I decided to voluntarily surrender the vehicle in XXXXXX/XX/2022 due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.
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. (IL)

I decided to voluntarily surrender the vehicle in XXXXXX/XX/2022 due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies.
Consumer complaint received 2023-09-07
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

I opened a XXXX XXXX  with Comenity Bank on XX/XX/XXXX and I still havent received the welcome bonus offers that I was advertised when opening up the credit card. I fulfilled the spending requirements by spending more that {$500.00} in the first 60 days of the card ( i reached the {$500.00} in my first week of getting the card and paid in full all my balances for that statement month ). 

This is clearly false advertising. I contacted the bank several times and they say they have escalated my case many times but no one is giving me an answer.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-06
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I contacted Resurgent Cap Services on XX/XX/2023 via Certified Mail to dispute the amount they claim I owe as well as asking for verification of debt because I believe it to be wrong. I was not given the information I requested within the required time frame to validate the debt. 
Again, I believe the amount they claim to be wrong and after explaining and disputing for this reason they continued to contact me by phone to collect the debt as well as sending me additional bills in different company names such as, XXXX XXXX XXXX XXXX. I have copies of verification of debt request, debt validation letter, as well as copies of certified mail receipts. I also have copies of the bills I was sent in different names and copies of calls that were made to my phone after I had disputed and requested proof of debt.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX al Creditors XXXX, Experian These account have inaccurate chargeoffs on my credit profile.i would like a thorough investigation, retaining to dates, addresses and payment history. The account numbers last for provided. The creditors charged me off and charged {$230.00} and collection agencie XXXX XXXX charging the {$1200.00} .account are came creditor XXXX XXXX XXXX amount {$230.00} XXXX also have some errors on account. It doesnt provide all information needed for verification. I would like investigation aswell for this account. For charge off. 

Account # XXXX Amount {$3800.00}
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Requested investigation of public records on all XXXX credit reporting agencies, XXXX, XXXX, XXXX. 
Court clerk- Public record shows both bankruptcy were filed but never processed & cases dismissed. Unable to validate person making cases.

Public information listed on court records but no proof that it belongs to me. Talked to court clerk & stated information listed can be anyone with the same name or social security number. No information is verified as to the correct identity of the person.

LexisNexis get all their info listed in public records with no of identity validation. 
XXXX, XXXX XXXX XXXX all state they take the statement of LexisNexis as their proof.
Consumer complaint received 2018-05-13
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. (CT)

XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX tel : XXXX