davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
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. (CA)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NY)

I have recently discovered a debt on my credit report that was posted without my prior knowledge or consent. This unauthorized entry has raised significant concerns for me, and I am now actively working to investigate and rectify this situation to ensure the accuracy of my credit profile.
Consumer complaint received 2021-01-03
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: CBC Companies, Inc. (VA)

I have some fraudulent inquiries on my credit : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have reached out to XXXX  4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX $ was randomly taken from my Bank Of America checking account because of identity theft from over 4 years ago. Bank of America never tried to reach out to me about the debt. I tried contacting Bank of America and they disconnected the line.
Consumer complaint received 2019-10-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As  such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (MS)

I was notified by XXXX XXXX XX/XX/XXXX that a collection for {$1500.00} had been filed against me by Southwest Recovery Services. 
This was for credit card processing with XXXX XXXX XXXX. 
I was employed by XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for XXXX XXXX years and signed the contract for their service because XXXX XXXX, XXXX was out of town. I retired XX/XX/XXXX. I was never contacted by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX paid the charge XX/XX/XXXX. They had gone with another company and returned the equipment. This is showing as a collection on my credit report. My insurance company, XXXX XXXX, has increased my car insurance because of this. I have contacted XXXX, XXXX, Southwest Recovery Service, XXXX, and XXXX XXXX XXXX. I can not get anything done to resolve this. The collection should have been against XXXX XXXX XXXX XXXX XXXX XXXX not me.
Consumer complaint received 2023-02-08
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. (AL)

In XXXXXXXX XXXX XXXXXXXX, I was pulling my daughters credit report to make sure that it was ok because her car was giving her problems and we were looking to purchase another one. Upon pulling her credit, I found that there was a car on her credit report that was not hers. I reached out to the person who cosigned for the car and let her know what was going on. She stated that she would get it taken care of. Once I got ready to reach out to her again, I could not get in contact with her. I made a police report in XXXX to document everything that was going on in attempts to get it resolved.. I then pulled my daughters credit report again this year ( XXXX ) and the car was still there.. I reached out to the cosigner again and she gave me issues. Reached out to the police department and they stated there was nothing to be done because it didn't seem to be a criminal act. The car lot failed to do the necessary verification to make sure that the person they were running the credit for was the person buying the car.. The individual who got the car in my daughters name has the same dob, similar name and social.. I have yet to get this issue resolved and having to put more money into a car instead of being able to buy her a car. The dealership that this happened at is XXXX XXXX in XXXX, Alabama. And the finance company is XXXX.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

Since XXXX of XXXX I have had issues with Mohela that has taken me calling on several dates XX/XX/XXXX and sending repeated emails through the portal that went unanswered. More recently I have called on XX/XX/XXXX and XXXX of XXXX and again today, XX/XX/XXXX explain to them that based on Department of Education XXXX DOE ) guidelines those with XXXX recertification dates before XX/XX/XXXX do not need to recertify. My date falls on XX/XX/XXXX and is to be pushed to XX/XX/XXXX. My payments are to remain the same until next year. They refuse to follow DOE guidelines and made up their own rules stating as recently as today to me that the anniversary date is different from my expectation date and I have a XXXX expiration date. Mohela is spreading and using inaccurate information as it relates to recertification. The DOE guidelines are clear and not left up for interpretation by Mohela. They have increased my payment from {$320.00} to {$3100.00} which is affecting me closing on my mortgage! Mohela is causing me a lot of harm but being defiant to the DOE regulations.
Consumer complaint received 2020-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

While trying to call Navient to issue a CORRECTED 1099C - they are currently giving me a runaround, hanging up on me, or reading off a script which does nothing but waste time. 

I co-signed many student loans for my XXXX children and other relatives. Navient sent a 1099C to the IRS and as of today - CAN NOT tell me who or which loan is involved. The IRS is now involved. I've tried several times to speak with the Navient Escalation team to rectify this. 

Today, in speaking with a Navient Escalation team member first told me she could not tell me WHO the borrower of the loan was, then proceeded to tell me it was for my daughter, then later in the conversation said my son 's name. When I questioned her on this, she denied saying my daughter 's name. She then read off the address that she claimed the 1099C was sent to and it was the wrong address. When I pointed this out to her, she denied reading off the wrong address. She then said she would 'RESEND ' the 1099C and then quickly she hung up on me. 

So, I'm am now VERY concerned Navient is going to CREATE and send out 1099Cs willy-nilly and impact more people. 

What's odd about this whole thing is that according to my research - Treasury Regulation SEC. 1.6050P-1 ( 7 ) - states that for purposes of filing, 'a guarantor is not a debtor ' - it differentiates between those who get the benefit of a loan and those who guarantee its repayment. 

Also, both my children SETTLED their loans with Navient and are debt free. 

If there is a class action lawsuit against Navient regarding incorrect 1099-Cs sent to the consumers and the IRS - I would love to join it. Seriously ... 

Students can apply on-line and get in debt for hundreds and thousands of dollars easy-peasy but Navient can't seem to support the after affect. 

Why do they continue to get away with this?
Consumer complaint received 2022-09-06
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. (MS)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  I 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 2021-06-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I been dealing with a issue with Experian Report Number XXXX Date Generated : XX/XX/2021 back in XXXX I paid off my car loan with XXXX XXXX XXXX Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect & also the account says charge off account which that's incorrect. XXXX XXXX sent me a letter that's says the car is paid in full not, Account paid in full for less than full balance which that on my Experian report i can not get a car loan with this incorrect accounts that on my credit report. i have all my letter from XXXX XXXX its not making any sense why this showing a charge-off or paid for a less amount XXXX XXXX agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my credit file Experian is the only company that have this account show as a bad account this is so wrong i never miss a payment with this company i call Experian about his issue so many times & Experian will not fix this account show as a good account & paid & full & the miss payment also incorrect. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan but on my Experian credit file say {$17000.00} that's not right at all. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 

15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD ... ...
Consumer complaint received 2017-03-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION (CA)

Company has taken out multiple installments on one pay period, causing my account to overdraft. Company did this without any input or communication with me. I tried calling the location where I took the loan out, Check n GO in XXXX, CA, but that location is out of business. I called the customer service number on line for the compnay, they told me they only serviced loans taken out online. I lodged a complaint to them via an online customer service portal, and they have yet to contact me.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 XXXXEquifax have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent XXXXEquifax the request for removal and that they have failed to act. This item is still being reported.
Consumer complaint received 2017-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Hi, My complaint is with coinbase. They closed down my account without giving me any details other than suspicious activity. Ive been emailing them multiple times for the last XXXX months with no resolution. 
Today, I contacted them twice by phone. After about XXXX in hold, I was connected with a rep name XXXX, and then was disconnected when she was looking into my account with a specialist. I immediately called back and after another XXXX, was connect with XXXX. Explained to him that I was just disconnected and then Ive been emailing Coinbase for over XXXX months but have gotten nowhere. I requested to speak with a supervisor and after a few minutes of push backs, he agreed. A few mins later, XXXX got on the phone. I explained to him that I would like some help in regards to why my account is locked due to suspicious activity. His response was, thats above my pay grade. I asked if theres anybody there that could help but he said no. And started to insult me. Coinbase doesnt want your business, you can do business with other XXXX companies! He sounded very hostile and I was schocked and appalled and for a few seconds didnt know how to respond to it. I asked him his last name or employee ID but he refused to give that information. XXXX repeated again, Coinbase doesnt want your business, you can take it elsewhere. Before I could respond, he hung up.
Consumer complaint received 2023-01-27
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-02-28
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. (CO)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2017-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (CA)

I received a phone call on XXXX XXXX, XXXX at XXXX from a XXXX XXXX who said their company was XXXX XXXX debt collection agency. He called from phone # XXXX. He was asking for my daughter-in-laws mother. I asked how he got my phone number and he said through a XXXX party. 
They have no right calling me looking for her and revealing that they are trying to collect a debt from her. 
This is a disgusting business practice and a violation of her privacy. 
I advise them I do not have her contact information and if I did I would not give it to them due to violating her privacy. 
My phone number is also on the do not call registry.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to TransUnion was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If TransUnion does not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$590.00}
Consumer complaint received 2022-11-24
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: ALLY FINANCIAL INC. (LA)

In accordance with the Fair Credit Reporting Act, Ally Financial violated my rights under 15 USC 1681 section 602 states, I have the right to privacy under 15 USC 1641 section 604A section 2 A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may treat a payment on an account under an open an consumer credit plan AS LATE for any reason.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX US bank I called because I could use my account the forward my call to someone name XXXX saying that on the notes it say to forward the calls of that account to her she told me I had to wait that they where going to call me back.Never got a call back On XX/XX/XXXX I called left couple of msg she didnt answer or called back called the branch they say they could help me On XX/XX/XXXX I called left a voicemail to XXXX she return my called she just say that the branch decided to closed my account to wait 30 day after my account is closed for them to mail out a check with the amount On XX/XX/XXXX received a letter that the account was being closed. 

On XX/XX/XXXX I called the branch say the account closed on XX/XX/XXXX that to give 1 to 2 weeks to receive the check. 

Its been already more than a month and now they just forward my calls to one and to another person and its getting stressful that I havent receive no check. 

On XX/XX/XXXX called customer service a person with the name XXXX told me that a check with the amount of XXXX had to be mailed already And havent hear nothing or received nothing and I just fell US bank is not helping me