davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NC)

On XX/XX/XXXX I discovered a collection account that XXXX XXXX on my credit report on XX/XX/XXXX by  XXXX XXXX XXXX when I took my child to XXXX XXXX in XX/XX/XXXX. I called the collection service and the hospital and dispute the amount of the bill which was {$1500.00} I sent them both documented proof that on the date of service I did had valid and billable insurance when I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under mental health instead of medical servics. she told me this was a hospital XXXX and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. XXXX XXXX  account was taken off of my credit reports within 90 days. yet on XX/XX/XXXX I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance.
Consumer complaint received 2023-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

I have been a customer ( in goid standing ) with Navient. On XX/XX/XXXX I was suddenly diagnosed with XXXX XXXX XXXX XXXX I immediately contacted them to see how to defer my loans. I was told I couldn't but could request a medical forbearance. I sent them the XXXX XXXX XXXX form. They refused it, saying I needed to use their form. This would require me to download, print, go back to the doctor to complete then upload. The site was not user friendly, and I was in the hospital. I emailed them to ask that they accept the Federal form and they refused. Basically said too bad. I kept in touch and let them know I was being considered for SSID and once that went through ( it was being expedited ) I would pay my bill. They started threatening calls, emails. They even called family members, and my aunts ex husband whom hasn't been in our family for 30 years! Now they are threatening credit reporting- all while I am in treatment fighting for my life. AND my arrears are only {$300.00}!
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hi, I returned the XXXX  to XXXX then got credited on the line of credit account. I then closed my line of credit account for my XXXX  on XXXX and they closed it but however they reported it as late which is false. They never generated a statement or email that stated it was late.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (NJ)

Dear Madam/Sir, I am writing this letter to file a complaint about Valley National Bank XXXX Valley National Bank is my mortgage servicer and I have had numerous problems with this servicer. In this particular instance the bank claims that I do not have hazard insurance on my property and although I proved the bank that I have a valid policy from XXXX XXXX XXXX the bank has charged my account numerous times for a third party hazard insurance policy without my approval nor any need for it. 

This is not the first time I had problems with this servicer. I have reason to believe that they have a deficient IT infrastructure and insufficiently trained personnel which leads to substandard processing of the mortgages they service. 

I am attaching all supporting documentation along with the details of my mortgage : Mortgage Property Address : XXXX XXXX XXXX XXXX, NJ XXXX Mortgage Number : XXXX Regards, XXXX XXXX Property Owner
Consumer complaint received 2022-11-26
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (PA)

Per the Federal Credit Reporting Act as a federal protected consumer. Pursuant 15 USC 6802 I XXXX XXXX am OPTING OUT of all and any authorization I may have given to American Credit Acceptance written, unwritten, verbal, nonverbal to report my non-public personal information. American Credit Acceptance is in violation of the Privacy Act of 1974 as well as 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by American Credit Acceptance that my non-public personal information was going to be shared to third party affiliated party 's such as XXXX, XXXX, XXXX and I was never given the chance to opt out. Also 15 USC 6508 also states I have the right to opt out on any thing reported to my credit report and I'm supposed to receive a opt out notice every thirty days which American Credit Acceptance has not given me. I em hereby exercising my right under 16 cfr part 313.7. According to 15 USC 6802B I'm supposed to receive three different disclosures before my non-public personal information was shared without any notice. American Credit Acceptance also in clear violation of selling debt to third party after the debt had already been tendered in accordance to ucc 3-603 I had no contract with the third party they sold the debt to. Also their in clear violation of 15 USC 45 unfair methods of competition for the failure to update the record after receiving tender of full amount of the debt in accordance with Electronic Funds Transfer Act as well as their acts of Securities fraud and tax evasion which I intend to report via form IRS form 3949A. To conclude XXXX, and XXXX are in violation of 15 USC 1681 section 604a section 2 it states a credit reporting agency can not report an account without written consent. I did not give XXXX or XXXX written consent to report American Credit Acceptance account and supporting sharing my non-public personal information such as transaction history and balance which they are in violation which I did not give permission or written consent to report non-public personal information and did not give written consent to even report American Credit Acceptance on my report
Consumer complaint received 2022-10-20
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. (TX)

I settled account with XXXX XXXX  in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau multiples times and it has not been corrected.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I have a history of always paying on time, and it's causing me a lot of anxiety to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.

XXXX XXXX XXXX XXXX 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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, XXXX, XXXX, and Experian were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you
Consumer complaint received 2022-12-09
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

I recently obtained my credit report and it shows a collection from National Credit Systems , Inc . I was never notified of this collection and I do not believe this debt is accurate. 

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with National Credit Systems. They did not provide me with the original contract as I requested. 

Also, under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requesting that National Credit Systems Inc please provide me with a copy of all the following : 1 ) Documentation that shows that I agreed to pay this debt with my signature and documentation that shows I gave them permission to have my information and paperwork showing I gave them the authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and I am reporting them for such. 

Please see attached letter for full details of my dispute with National Credit Systems , Inc .
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The Credit bureaus stated Account Name & Account, XXXX XXXX XXXX # XXXX, Account, XXXX XXXXXXXX # XXXX, Account, XXXX XXXXXXXX # XXXX, Account, XXXX # XXXX XXXX Account, DP OF EDUC # XXXX, This is Identity theft because I didnt gave nobody written consent I didnt sign no paperwork. they violated my rights I wan na sue for every violation They said account not paid in full how so I use a XXXX charge. Account, XXXX XXXX XXXX # XXXX 15 U.S. Code 1605 - Determination of finance charge Who give you the right to trying to control my credit yall just like any other business youre not government. Im not asking u Im telling u to delete them accounts 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2022-10-20
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. (CO)

On XX/XX/XXXX, I contacted XXXX, Equifax, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the XXXX firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt XXXX directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

The Credit bureaus stated Account Name & Account, XXXX XXXX XXXX # XXXX, Account, XXXX XXXX # XXXX, Account, XXXX XXXX # XXXX, Account, XXXX # XXXX XXXX Account, DP OF EDUC # XXXX, This is Identity theft because I didnt gave nobody written consent I didnt sign no paperwork. they violated my rights I wan na sue for every violation They said account not paid in full how so I use a Finance charge. Account, XXXX XXXX XXXX # XXXX 15 U.S. Code 1605 - Determination of finance charge Who give you the right to trying to control my credit yall just like any other business youre not government. Im not asking u Im telling u to delete them accounts 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-07-26
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. (FL)

XXXX is in violation of the following : 15 U.S. Code 1681b - permissable purposes 15 U.S. Code 1681c - information contained in consumer reports 12 CFR Section 1022.3 - identity theft Plus, the account has been fully discharged, settled and satisfied.
Consumer complaint received 2023-07-26
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. (OH)

Re : Reinsertion Of previously deleted Inaccurate/invalidated items To Experian Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ).

These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX XXXXXXXX XXXX  Account # XXXX I was never late on this account. please update to never late/paid as agreed. 
Thank you for your time and help in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX