davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (ID)

XXXX This company Fcator Trust-Consumer Inquiries has violated the FDCPA by providing information to an untold number of people or companies without my permission. They also have violated the Privacy Act by being allowed to use my personal information and research my private information while not being an official form of government to which has the right to use or research my information, without my permission. They were recently asked to provide personal information on myself and my history to another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX I have at no time authorized anyone at Factor Trust to investigate me, my personal information or even use my information for any reason. They are not authorized by law to use anyone 's personal information for any reason.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

my name is XXXX XXXX and I am a victim of identity theft. My identity has been stolen and the following listed accounts on the FTC report are FRAUDULENT. please block and remove these fradulent accounts. I did not open or aply for these accounts.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The law of privacy 15 USC 1681 602 and # 4 theres a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy.

15 USC 1681 section 604 a # 2 Subject to subsection any consumer reporting agency May furnace a consumer report under the following circumstances 2 in accordance with the written instructions of the consumer to whom it relates.

15 us code 1681s -2 Reporting information with actual knowledge of error A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 
In accordance with the fair crediting reporting act the list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX # XXXX *XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VT)

I have my loans through Navient. I've been paying student loans for many many years ( I graduated from XXXX in 1999 ). I remember my loans were need-based, and they changed hands many times. I think they began as federal loans then went to XXXX XXXX and now Navient. I can't remember exactly because it was so long ago! Anyway, when it came out in the news that Biden had plans to " forgive them, '' I was excited, as I still have over {$4000.00} left to pay. I was always an A-student, graduating with a GPA of over 3.9, so it seems strange to still have such a debt from a school in my home state! Anyway, I had tried to contact Navient to ask if my loans were eligible for forgiveness and the pause. They are categorized as FFELP loans. I was on hold for a very long time. Finally I got somebody who made it sound like mine would be forgiven because they are federal, and they said they would give me the pause. I hung up from that conversation with high hopes. I assumed that the forbearance I was offered was what Biden was talking about, a pause until the end of XXXX, by which point eligible loans would be forgiven ( I had filled out a federal application for forgiveness and it was approved- but this doesn't necessarily mean I am eligible ). 

Later I would get an email from Navient with my next bill for the following month! I had already paid in XXXX for my XXXX due date, and now I had a bill for XXXX! I tried calling them but couldn't get through. That's when I began to email them from their website. The response I got didn't make sense. It insisted I did have a forbearance and ignored my points about the bill dates. I went back and forth a couple of times to no avail. Long story short, I ended up paying for each month through now ( once I paid a double bill because I was waiting to get this resolved, but it wasn't ). So there was no real forbearance! 

I am concerned that because my loans are through Navient, they won't be forgiven. I had read something about " Direct Consolidation '' but that was confusing ( even the term " consolidation '' threw me off- I only have one loan so how can you consolidate one thing- it doesn't fit the definition of the word ) and I wasn't in the country at the time, and trying to get through to Navient isn't straight-forward. I found out there was a deadline for that, and I missed it because of communication problems with Navient, plus originally they had made it sound like I was all set. It's not fair if I missed the Direct Consolidation deadline due to this confusion- I don't know why there had to be such a short deadline in this mixed up period of time. 

So I continue to pay my monthly bills as usual... I am very concerned I'm going to miss out on forgiveness even though I am the perfect candidate for it!
Consumer complaint received 2024-03-30
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. (FL)

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
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-03-30
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. (WA)

I looked at my report recently and notice an account wasnt reporting accurately. I already asked to investigate and received a letter sent back addressing someone else, the letter i received back had someone else 's name on there. That is not me, I was told that they were unable to locate a credit file in they database with the identification information i provided. I sent My Drivers License, along with my SSN, and Proof of address. Everything matched. I will attach picture of the letter i received from them, along with a screenshot of the account on my credit profile.They addressed the wrong person, or got someone else 's account on my credit profile. Please investigate.
Consumer complaint received 2019-11-24
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. (GA)

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WA)

I opened a amazon credit card in XXXX and paid above the balance in full or above the required minimum and was never late with my payments. I received a letter on Saturday XX/XX/XXXX at XXXX XXXX stating that due to credit reports they are lowering my available credit by {$270.00}. This seemed odd to me and I reached out to the company for a further explanation, after dealing with incredibly rude smug customer service representatives they were unable or unwilling to provide any answers that I had and suggested that I review the agreement. So I did and I was able to figure out that they were able to justify a rate increase due to their own lowering of my available credit because of a credit reporting agency that i have never heard of and is reporting a significantly lower credit score than the other credit reporting agencies. I have had a decrease in credit usage and my income has increased in the past 6 months so it's extremely confusing how they can justify the decrease in credit, other than unchecked corporate greed of course.This seems extremely unethical at the very least and possibly illegal. This is extremely frustrating during the holidays and seems heartless.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

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 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 2017-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (NV)

I received a loan from Cash1,  XXXX , NV. Im struggling to pay the amounts. This company asked for a check for " Visual purposes '' for my file. I told them I do not use that bank. The young woman said that they will photo copy my debit card and they only use that for payments. Iv been notified by this company by email that they have taken the amount due from my debit card.They also been depositing the check I left! I now get emails, calls, and text from this company stating that Im past due! Calls from their " legal '' department as well. They have violated my privacy and violated the 3rd party act in the FDCPA. I have had a family member see my text from these people which violates my privacy. Now everyone knows my business
Consumer complaint received 2020-03-27
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

To Whom It May Concern, I hereby submit this correspondence to dispute the accuracy of the collection account reported by XXXX XXXX XXXXXXXX on my credit report, and to demand a cease and desist regarding the same. The account details are as follows : * Reported Date : XXXX XXXX, XXXX * Balance : {$180.00} * Overview : Needs Attention. You have 100 % left to pay on this collection. 
* Original Creditor Name : XXXX XXXX XXXX XXXX XXXX * Opened Date : XXXX XXXX XXXX  ( XXXX yrs, XXXX mos ) * Account Status : Open * Type : Derogatory * Responsibility : Individual * Remarks : Account information disputed by consumer, meets FCRA requirements I assert that the reporting of this collection account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Inaccurate Reporting : The reported balance and account status do not accurately reflect the true state of the account, contravening FCRA 623 ( a ) ( 1 ) ( A ). 
* Failure to Investigate Dispute : XXXXXXXX XXXX XXXXXXXX has neglected to conduct a reasonable investigation into my dispute, as mandated by FCRA 611 ( a ) ( 1 ) ( A ). 
* Failure to Report Accurate Information : XXXXXXXX XXXX XXXXXXXX has inaccurately reported information regarding the original creditor, in violation of FCRA 623 ( a ) ( 1 ) ( C ). 
Furthermore, pursuant to the statute of limitations for creditors to report a collection account in the state of Oklahoma, which typically spans 5 years, any collection account exceeding this timeframe is deemed time-barred and should not be reported on my credit report. Thus, the reporting of this account constitutes an additional infringement of my FCRA rights. 
Moreover, I hold TransUnion accountable for allowing this account to persist on my credit report beyond the statute of limitations, thereby further breaching the FCRA. 
Should this dispute not result in the deletion of the aforementioned collection account, I will be compelled to escalate this matter to the Attorney General of the state for the violation of my FCRA rights. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and ensure that XXXX XXXX XXXXXXXX and TransUnion rectify the inaccuracies and expunge the collection account from my credit report. Additionally, I request written confirmation of the investigation 's conclusion and the subsequent corrections made to my credit report. 
Please consider this as a formal dispute and demand for a cease and desist regarding the inaccurate reporting of this collection account. 
Thank you for your attention to this matter.
Consumer complaint received 2023-04-23
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. (NV)

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$850.00}.
Consumer complaint received 2023-02-21
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: NRA Group, LLC (PA)

I XX/XX/2022, I requested a wet signature signed contract that I owe XXXX XXXX XXXX, NTL RECOVERY AGENCY., XXXX XXXX XXXX XXXX They have also placed a late payment on the account and the accounts are closed. If the company XXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (TX)

I have been XXXX for the last two years. I got the car in XX/XX/XXXX. For the next 6 to 7 months my payments were always on time or even early. In XXXX I made two car payments to try and pay interest. I lost my job and became XXXX in XXXX. I then applied for XXXX  which takes up to one year or more to get settled and deemed XXXX via government. I got a letter from Exeter Finance to settle the account in XXXX XXXX They charged off the account without notifying me then sold it to another company. My ADDRESS XXXX XXXX XXXX XXXX XXXX has ALWAYS been my address. I didnt even live at a XXXX XXXX at this time. They claim that they sent a letter of notification to an address I lived at years ago. They always had XXXX XXXX XXXX and I never received notification or calls that this is what they were going to do. I also notified that I was XXXX and no money to my name. They had this information but now lying saying they didnt. When I finally got XXXX in XXXX I called to see if I could still settle the account due to the letter they sent but they said they sold it. These finance companies lie and still get over on the customer. XXXX is a long drawn out process that I had to go through before I even turned XXXX. I want to settle the account for the 20 % of the loan they offered. I dont want a collection or charge off to still show. I will need it fully removed and my title. I tried calling them multiple times in XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX to see if there is a chance to get the settlement agreement done but they have given my the run around with no resolution. Plus the charge off dates are reported invalid on my credit report as well as payment past due dates. I was current until XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (MS)

This account is showing a late payment for XX/XX/year>. I never been late on this account. The payments are {$20.00} a month and is a charge account for the betterment of your credit. However it is the opposite. Please remove late payment or delete account entirely.
Consumer complaint received 2022-09-08
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX. XXXX 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.
Consumer complaint received 2022-09-08
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)

Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a 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.