davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please refer to previous complaints that I submitted they continuously violate the law!! 
As per the FCRA you refusal to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly DELETE AND BLOCK the Inaccurate disputed information. 

Additionally, as per the FCRA, you are liable to me for damages for your conduct, in addition to your deletion the disputed fraudulent accounts, You are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 
Be advised this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by LAW
Consumer complaint received 2023-11-04
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. (MI)

DELETE XXXX XXXX XXXX XXXX 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

This company is attached XXXX was paid and the company continues to try and collect a debit which was paid to the original creditor Debit Collector CREDENCE RESOURCE MANA Balance {$290.00} Balance updated XXXX XXXX, 2023 Contacted XXXX and they have no knowledge of this account.
Consumer complaint received 2023-11-04
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. (FL)

Experian Report number XXXX. 

Experian has refusing to properly investigate and remove the inaccurate, incomplete, unverifiable or information option as a result of identity theft. For any and all of the data being reported on accounts listed below. 

XXXX XXXX Also known as XXXX Account number XXXX Account type Credit card XXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX. 

I have the right to have a 100 % accurate credit report across all three Consumer Reporting Agencies. XXXX has already removed these accounts. See CFPB complaint attached.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Velocity Portfolio Group (CA)

Velocity Investments LLC, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor XXXX XXXX XXXX XXXX XXXX XXXX The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. 
I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). 

I have also reached out to this creditor to inform them to cease all communication with me. 
15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-11-04
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. (FL)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-04
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. (FL)

Experian Report number XXXX. 

Experian has refusing to properly investigate and remove the inaccurate, incomplete, unverifiable or information option as a result of identity theft. For any and all of the data being reported on accounts listed below. 

XXXX XXXX Also known as XXXX Account number XXXX Account type Credit card XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX. 

I have the right to have a 100 % accurate credit report across all three Consumer Reporting Agencies. XXXX has already removed these accounts. See CFPB complaint attached.
Consumer complaint received 2023-11-04
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. (PA)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the XXXX going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-15
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (GA)

I went to XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. I submitted a school XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX and received an auto response that my applications was received. 

I called on XX/XX/XXXX and asked that my loans be placed in forbearance until the application and investigation had been completed. Navient 's customer service representative responded that " we can not place your account on hold until they hear from the federal government ''. I asked what the federal government had to do with it as they did not have anything to do with private student loans, and that private student loans were between Sallie Mae ( now Navient and XXXX ). I logged into my Navient portal on XX/XX/XXXX and saw that my private loans had been placed in an administrative forbearance status that expired on XXXX. 

On XX/XX/XXXX - I received an e-mail from Navient stating that my loans will be transferred to XXXX in the next few months. Navient is not taking these School Misconduct applications serious, they are not being transparent, and their customer service representative seem to be confused with the process themselves. These predatory, unlawful student loans need to be discharged under my protection under the Holder-Rule instead of being transferred to XXXX.
Consumer complaint received 2023-11-04
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. (FL)

I recently acquired my credit report and discovered that I have become a victim of identity theft. As I am currently in the midst of purchasing a home for my family, I am deeply dismayed by this unfortunate situation. It has had a detrimental impact on me. I kindly request the swift removal of these deceitful accounts from my credit report
Consumer complaint received 2024-07-15
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. ()

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX and Account number # XXXX have 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 2023-11-04
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. (CA)

XXXX XXXX XXXX XXXX OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH XXXX XXXX XXXX IMMEDIATELY REALIZED I DID NOT NEED THE XXXX XXXX XXXX AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED XXXX XXXX XXXX XXXX AND PAID OFF THE CONTRACT. XXXX XXXX XXXX XXXX REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY TXXXX XXXX XXXX WHO LATER PAID THEM.
Consumer complaint received 2023-11-04
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. (NV)

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Consumer complaint received 2023-11-04
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. (CA)

XXXX XXXX added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. XXXX XXXX has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/2024 when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/2024 stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Consumer complaint received 2023-11-04
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604a, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 16, 66b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-04
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. (FL)

My sister and I are XXXX and somehow our credit scores are merged. We have similar names and have worked at similar locations, lived in the same home and attended the same schools. I am currently married, trying to find a house and purchase a car in the next few years, but her credit card and student loans are negatively affecting my credit score and preventing me from doing anything. The credit bureau companies XXXX and XXXX sent out letters with all the information and credit lines associated with the account.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (MO)

For almost two years I have been trying to dispute LVNV FUNDING LLC. This company has never sent me a debt validation letter and when I tried contacting a year ago either they said this debt is with another agency or they cant provide the validation I'm asking for. I have sent multiple letters that I have proof of and XXXX has also failed to investigate this and show me proof of the steps that were taking to investigate this debt. The dispute is updated to inaccurate information. 
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove this from my credit report now.
Consumer complaint received 2023-11-04
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. (CA)

Because Experian wont properly investigate my dispute, XXXX XXXX XXXX ( # XXXX ) is reporting fraudulently on my credit. My identity was stolen and I never signed a contract to allow XXXX XXXX XXXX to access my credit report in the first place. When i disputed the account, Experian responded that the debt is verified. I asked several times for the documentation used to verify this account and I never got any response. With this account, Experian is violating my rights by : * Failing to investigate and correct inaccuracies in response to my dispute * Failing to conduct a reasonable investigation when verifying information with a data furnisher * Reporting inaccurate information about a consumer 's credit history. 
* Allowing unauthorised access to a consumer 's credit report For violations related to failing to investigate and correct inaccuracies or failing to conduct a reasonable investigation when verifying information with a data furnisher, I am entitled to recover damages. 

I am prepared to work with Experian in good faith to resolve this matter amicably. However, if a satisfactory resolution is not reached, I am prepared to pursue legal remedies available under the FCRA to protect my rights.
Consumer complaint received 2023-12-20
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. (VA)

There are outstanding issues with these accounts on my Experian credit report : XXXX. XXXX  : Account XXXX XXXX - Nature of Dispute : unauthorized/unrecognized account. 

XXXX. XXXX XXXX XXXX : Account XXXX XXXX - Nature of Dispute : unauthorized/unrecognized account. 

I previously sent 2 letters ( XX/XX/23 & XX/XX/23 ) and acknowledged the initiation of an investigation by Experian in line with the Fair Credit Reporting Act ( FCRA ). However, I requested comprehensive provision of documentation substantiating the validity of the reported debts. Specifically, I requested : 1. Verification of the debt, inclusive of detailed information regarding the original creditor.

2. Submission of copies of all pertinent documentation supporting the reported debt 's authenticity.

3. Urgent confirmation of the accuracy of reported balances, status, and other relevant details. 
Instead of providing the requested information after multiple investigations, the credit bureau DID NOT PROVIDE ANY DOCUMENTATION OR PROOF OF THE INVESTIGATION, and closed all disputes as " verified ''. I even reached out to the above mentioned companies, requesting documentation to validate the debt as well, with no results. This has had a significantly negative impact on my young family 's ability to progress financially and is causing us distress.
Consumer complaint received 2024-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

In XXXX of XXXX, I received an email from the U.S. Department of Education granting me a federal loan discharge as per my being a part of the XXXXXXXX XXXX XXXXXXXX original class. In XXXX of XXXX, Navient still took payment out of my account for my XXXX affected XXXX loans. These amounts were never refunded. Additionally, the XXXX loans were federally backed ( they showed up via my XXXX portal ) and should have been fully refunded by Navient as per the XXXXXXXX XXXX XXXXXXXX settlement. These refunds for my XXXX XXXX  loans were never received as of XX/XX/XXXX.
Consumer complaint received 2023-11-04
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. (GA)

Collection Letter : Per the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 : 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
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. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-11-04
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. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-11-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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