davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (TX)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : USDOE/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (MI)

XXXX XXXX is reporting late payments for XX/XX/XXXX, XXXX, and XX/XX/XXXX in which they received payments and this account has never been late. I requested several times via phone and by mail and nothing has changed.
Consumer complaint received 2024-04-19
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. (NJ)

FCRA 605B may require us to eliminate any wrong accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2023-11-25
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. (MO)

I am writing to express my profound frustration and dissatisfaction with the persistent presence of fraudulent items on my credit report despite multiple attempts to have them removed. The ongoing failure to address this critical matter has not only damaged my creditworthiness but has also caused significant emotional distress and financial uncertainty. 

I initially identified these fraudulent items on my credit report and promptly initiated the necessary procedures to dispute and remove them. Despite submitting detailed explanations, supporting documentation, and following your established dispute resolution process, these fraudulent entries persist. 

This situation is intolerable, as it undermines the fundamental integrity of my credit report and compromises my ability to engage in essential financial transactions. I have faithfully adhered to the established protocols, yet the fraudulent items continue to tarnish my credit history. 

I insist on an immediate and thorough investigation into this matter, with a focus on rectifying the ongoing presence of fraudulent items on my credit report. Additionally, I demand a comprehensive explanation for the repeated failures to address and rectify this issue. 

I expect this matter to be treated with the utmost urgency, and I anticipate a detailed response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no alternative but to escalate my complaint to regulatory authorities and seek legal remedies to rectify these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion on which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

Hello I am having issues with my loan servicer Aidvantage, my first payment was processed on time on XX/XX/XXXX and I tried to set up auto payments going forward with the first one scheduled for XX/XX/XXXX. When XX/XX/XXXX arrived I saw that my auto payment was not processed and no money then out of my bank account even though I had submitted it and received email confirmation the auto payments were approved. I called and they said it take a few days to process. However when I logged back in on XX/XX/XXXX it was saying my payments were past due. I decided to cancel my auto pay since it does not seem like it working and the one-time payment I made in XXXX was successfully processed. I am frustrated with this company because it does not appear that they are able to process payments on time yet they will show up on your profile as past due even if it is entirely their fault for not processing payments properly. I have a separate loan with another servicer and I have never had an issue with them processing a payment. Nothing should show as past due if a payment was already submitted.
Consumer complaint received 2023-11-25
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

I went to the nail salon on XX/XX/XXXX  to get a full set of nails and a pedicure. The next day, the nail polished chipped off multiple toenails, and I realized the technician had missed a spot on my nails. I went back on XX/XX/XXXX  to get them repaired. They attempted to give me the same person and I declined, they then gave me another technician. Then on XX/XX/XXXX  the nails chipped AGAIN! I was in Alabama at the time, and had to go to a new nail salon to get a brand new nail set. This resulted in me spending more money and ruining my TRIP! I called the nail salon while in Alabama and there was not an answer. I disputed it with my bank, Navy Federal Credit Union and they temporarily credited my account. I then got an email on XX/XX/XXXX  explaining they favored the nail salon 's side of the dispute because " there is no record of service cancellation. '' This reasoning is illogical and does not make sense. There was not a record of service cancellation agreement that even happened.
Consumer complaint received 2023-11-25
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. (MO)

I am writing to express my deep frustration and anger regarding the continued presence of a charge-off account on my credit report despite numerous attempts to have it removed. I find it utterly unacceptable that my repeated efforts to address this matter have resulted in nothing but prolonged inconvenience and damage to my financial standing. 

I initially brought the existence of this erroneous charge-off account to your attention. Since then, Despite my best efforts, the charge-off account remains stubbornly affixed to my credit report. 

This situation is not only impacting my creditworthiness but is also causing significant emotional distress and hindering my ability to secure favorable financial arrangements. I am at a loss as to why a seemingly straightforward issue continues to persist, and I demand immediate and effective action to rectify this injustice. 

I insist on a thorough investigation into this matter and the prompt removal of the charge-off account from my credit report. Furthermore, I demand an explanation for the repeated failures to address this issue adequately. The lack of resolution is not only an egregious violation of my consumer rights but is also indicative of a severe failure in your dispute resolution process. 

I expect this matter to be treated with the utmost urgency, and I anticipate a comprehensive response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and explore legal avenues to address this matter. 

I have attached, once again, the supporting documents for your reference. I trust that this will be the final occasion on which I am forced to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00}.
Consumer complaint received 2023-11-25
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-25
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. (GA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$21000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.
Consumer complaint received 2023-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KY)

Just today alone, I have received 6 phone calls from them at the number XXXX. Yesterday, I received 3, previous day, 4. I also received SEVERAL phone calls per day on phone number XXXX. Per Federal Trade Comission, I thought debt collectors can not call you more than 7 times within a 7 day period.
Consumer complaint received 2024-04-18
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. (LA)

According to the Fair Credit Reporting Act, the accounts on the list below have violated 15 U.S.C. 1681, which protects my right to privacy and confidentiality as a consumer. 
XXXX : XXXX XXXX OF XXXX : XXXX have violated my rights. 
602 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
604 15 U.S.C. 1681b ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

605 15 U.S.C. 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions for crimes that antedate the report by more than XXXX years. 
623 15 U.S.C. 1681s-2 ( e ) Accuracy Guidelines and Regulations Required ( A ) Establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

15 U.S.C.1681 section 602- i have a right to privacy.

15 U.S.C. 1681 section 604A section 2- allows the credit reporting agency to furnish consumer. reports in accord with the written instructions of the consumer to whom it relates.

15U.S.C.1666B- a creditor may not treat a payment on a consumer credit plan as a credit card open-end
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-11-25
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-25
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. (NY)

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This dispute letter serves to bring to your attention the violation of consumer protection laws and request the immediate removal of these accounts from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-25
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 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
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hi my name is XXXX XXXX I currently am a resident of North Carolina. During the Covid pandemic lockdown and mandated curfews put in place by our President and local authorities. So at that time I had been a small business owner for over ten years and at no fault of my own in order to do what our government said I filed for unemployment for the first in my life and I asked for my funds to be placed into my personal checking account but for some reason my NC unemployment was placed on the prepaid Bank of America card. There were some a few times that I didnt recognize the transactions on the card so when I called to ask questions about the transactions the employees of BOA filed dispute. With that getting resolved with no warning the bank froze my account and took it negative over {$4000.00}. The refused to tell me anything or release my money from unemployment during the pandemic! My power was disconnected in XXXX of 2020 where because of that my landlord evicted me and my son. Now since then I have a mountain of debt and late charges that are on my credit and I still am finghting with BOA TO RECIEVE MY MONEY OR ANY TYPE OF RESTITUTION!! When they do give me a little tiny bit of my money they make me wait 30 to 45 days to issue a check! Its absurd! How is this fair for us working class people to get treated so poorly? I have no idea! I have had Bank of America regulator complaints operations reach out to me only to send me SOMEONE ELSE BANK STATEMENTS FROM CALIFORNIA NAMED XXXX XXXX along some of my information as well! I am asking for some type of apology and restitution from the company because they have messed me and my son lives up more than they care to realize! I just want a place to live again with my son and it doesnt have to be a big nice place. If we could just go back to what we had before Bank of America costs us ours. {$35000.00} I feel like is the normal average income of annual income well thats my average anyway. I respectfully request that my voice be heard and for it to matter.
Consumer complaint received 2023-11-25
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. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX