davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 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 an 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 information, other then records of convictions of crimes which antedates the report by more then 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
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. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-10-20
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. (NY)

I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the XXXX and stress of being a victim of identity theft. 

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in. 

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right. 

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (NJ)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-06-18
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)

These 's account listed below are unknown/fraud and have 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 an 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. ( ( These are fraudulent ) ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (NE)

I applied for a student loan through  XXXX   XXXX   XXXX  back in  XXXX  and I placed specific stipulations on the loan. I requested the student pay interest during school, I asked to be notified if the loan goes delinquent and I ask the loan be denied if   XXXX   XXXX   XXXX   XXXX  does not agree to the terms.  XXXX   XXXX   XXXX  removed my stipulations from the documentation and forged my signature to push the loan through. In  XXXX  I applied for a car loan and  American Education Services  came up on my negative credit category for a delinquent loan. I was never notified about the loan not being paid. I have been calling and writing  XXXX  merican Education Services ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , and National Collegiate Trust to get my name removed since I did not agree to or sign for the loan in question. They continue to effect my credit in a negative manner and have refused to address the issue. I filled out a fraud packet in  XXXX  and sent it in but they returned it saying they did not accept the information I entered and that I did not complete the packet to their satisfaction. They have since requested me to fill out another fraud packet but I believe they are only trying to waist time and gather my current contact information. I can not fill out another fraud packet knowing they refused the first one. I have spent 11 years and over 200 hours on the phone trying to get someone to address the matter. I am still in touch daily with AES and can not get in touch with NCT. I have looked in to hiring a lawyer but I was told since it is a government office ti would cost more in fees then the loan. I am looking into a class action  suite and h ave not ruled that possibility out but I need something done to resolve my credit.
Consumer complaint received 2023-10-20
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. (KY)

I HAVE REACHED OUT THIS COMPANY FOR YEARS. I went and opened up adversary proceedings. I have the documentation for the provider and no will help resolve the issue. 
If you look at the credit report it shows the loan balances are higher than it was when it started and now the payments made can not be found. the loan was in forbearance for 30 days and then for 1 year. Sporadic data across the board. I need my credit report to be fix it and the creditor to explain the discrepancies.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (MD)

Equifax mixed my credit report with my brother 's credit report. I talked to their customer service multiple times ( XX/XX/2023, XX/XX/2023, XX/XX/2023 ). I also mailed them a letter to explain the problem and submitted documents for identification. However, the problem still didn't get resolve.
Consumer complaint received 2023-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

XX/XX/XXXX I went to pay my mortgage and they sent the charge back stating I did not have enuff. XX/XX/XXXX. The money was back in my account and I went to repay the mortgage. XX/XX/XXXX the mortgage payment was processed. XX/XX/XXXX the mortgage payment was then processed again. I called to have this issue resolved and they said I have to provide proof and wait weeks for my refund. XXXX in 3 days and I have to wait weeks to get half back.
Consumer complaint received 2023-10-20
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. (TX)

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXt # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor : XXXX XXXX CREDIT CARD/ Account # : XXXX Wrong Name And Adresses. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. 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 2023-05-03
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: EQUIFAX, INC. (TX)

Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.
Consumer complaint received 2023-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

Spring Oak Capital LLC claims I owe them {$11000.00} for the original creditor, XXXX XXXX. Opened XX/XX/2022. I never opened or had a XXXX XXXX account. XXXX XXXX is not on my XXXX credit file. Spring Oak Capital LLC needs to remove this false information immediately.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I have an account with Amazon and using it sometimes when I buy something. 

Prime Store Card Account ending in XXXX {$320.00} Current Balance But someone opened an additional credit account and bought something CARECREDIT / SYNCHRONY BANK Account ending in XXXX {$1600.00} Current Balance And the company ask for Register this account but I didn't do it and for it.
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc (OH)

My max credit with this account from when i opened has been XXXX. I have paid back over XXXX XXXX dollars with no draws, almost all being on time. My balance has not gone down a single cent, in fact it has increased, no matter how much i pay back. 

They refuse to detail these imaginary fees on any statement. My money should be going straight to the principal and interest, which should be the same since i opened the account. 

Instead, it seems fictitious fees are being added or my money just is not being taken and applied to my principal. I find this to be illegal ( fraud, robbery ) As they are just taking my money every single month and not reducing my balance based on unknown reasons, and then keep charging me every month. 

My balance should be below {$1000.00} by my calculations, however it still shows as GREATER THAN XXXX, more than i ever could have even taken out. 

I need to know exactly what is happening with this money, where the itemized charges are ( as this is required by law ) and the exact lines in any documentation i signed that depicted these figures and fees. 

I expect my account to be fully forgiven and closed by the end of the weekend, otherwise this will go to court. 

Thanks!
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I had my loans consolidated in XX/XX/XXXX by XXXX and The Department of Education. This loan was not done correctly. the company charged me a " Write Up '' of {$30000.00}, and also a " Write Up '' of {$6200.00} '' on top of my other current loans. This makes my total loan amounts look like {$91000.00}. However, I did not take out that much in loans. When I graduated in XXXX my loan debt was {$39000.00}. I have tried calling XXXX who told me that my loan was sold to XXXX and they couldn't help me. I called XXXX and she told me that she does see the discrepancies but now that my loan has been sold from XXXX to Mohela she could no longer help me. I also have had {$25000.00} XXXX on my loans because of my attendence with XXXX. However, since the government charged me {$91000.00} that I did not take out in loans, minus the {$25000.00} dismissed amount the government is still saying I owe {$54000.00} which is INCORRECT. I have been over charged {$30000.00} and also {$6200.00} in fees that have no explanation to them and no one can tell me where these fees came from and what they are for.
Consumer complaint received 2023-06-18
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. (MI)

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 2024-03-14
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: Experian Information Solutions Inc. (NE)

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.