davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (TX)

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX  acct # XXXX has violated my rights under 15 USC 1681section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX acct # XXXX XXXX has violated my rights under 15 USC 1681 section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX has violated my rights under 15 USC 1681section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection of any debt.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-27
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: Navient Solutions, LLC. (CA)

I received a 1099-C evidencing the cancellation of the debt of {$19000.00}, linked to the account : XXXX ( attached files ) Since it has been over a week since I receive this information I find it upsetting that this has not been reflected on my credit report and file. 

Yesterday, I filled a claim with XXXX and they closed my claim stating that it is a duplication. And they did not allow me to provide them with notice from Navient. I have been economically hurt and will seek damages. 

This is also a violation of the Privacy Act of 1974. 

Navient Corporation ( Exact name of registrant as specified in its charter ) Delaware ( State or other jurisdiction of incorporation ) XXXX XXXX XXXX XXXX, XXXX, Virginia ( Address of principal executive offices ) XXXX ( Commission File Number ) XXXX ( I.R.S. Employer Identification No. ) XXXX XXXX XXXX as well as other responsible parties will receive a civil suits. 

I filed a complaint with the OCC, XXXX, and the Attorney General.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (TN)

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (PA)

I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

During the past several months I have been in contact with Transunion consumer reporting agency in regards to several fraudulent accounts reporting on my Transunion credit file. I also recently submitted a FTC identity theft report which included 5 of the accounts in question that were established through identity theft. I received a letter from Transunion stating that they refused to honor my dispute request by stating my request was made in error, and is a misrepresentation of material fact relevant to the request and or I have obtained possession of goods services or money as a result of the transaction issue. I find this automated response totally unacceptable and is clearly a violation of my consumer rights as well as the Fair Credit Reporting Act. Transunion has yet to send me proof of any documentation with my signature neither have they provided 100 % accurate verification as per the Fair Credit Reporting Act requires. I included a copy of my drivers license, social security card, and a utility bill along with my disputes along with a personal information update request to remove fraudulent addresses from my account. Transunion has yet to honor that request as well.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MA)

We closed on our refinance with Loan Depot on XX/XX/XXXX. 
Our closing fees included {$1800.00} for real estate taxes due upon closing to XXXX XXXX XXXX. This tax. Payment was not made and has not been made despite every email and telephone call attempt we have made. We have been communicating via email and telephone with 2 separate individuals : XXXX XXXX ( customer service supervisor XXXX XXXX ) and XXXX XXXX ( XXXX, XXXX XXXX XXXX ). 
As of now, XXXX XXXX XXXX has NOT received payment for the XX/XX/XXXX quarterly payment. I have also provided a copy of statement from XXXX XXXX XXXX showing no payment. 
Additionally, the tax payment schedule is incorrect on LoanDepot processing side as it states no tax payment needed until XXXX. 
We have tried several times to have this corrected over the past two months to no avail. They still want to track down the title company how to track down what happened to the payment that was taken upon signing of the closing documents. 
Please advise and help. 
XXXX and XXXX XXXX
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with XXXX XXXX on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue.

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the XXXX XXXX account.

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Specify the precise date when the XXXX XXXX account was initially established. 

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the XXXX XXXX account was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so. 

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation
Consumer complaint received 2020-03-03
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. (TX)

i have two companies that trying to get the same money ... XXXX XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX XXXX .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.
Consumer complaint received 2023-05-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade CISS Holdings, LLC (VA)

My ex-fianc and I purchased a timeshare when we were together, and we have been separated since XX/XX/2021. I never used the timeshare, but my ex has used it multiple times. I spoke to someone in XX/XX/2021, and they stated that if a get a letter from my ex stating that he will take full responsivities of the timeshare that my name will be removed from it. I did ask they requested, and my name is still on the timeshare.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (HI)

I got student loan from MOHELA. Because of the XXXX XXXX XXXX XXXX XXXX so I want to contact them to ask about my previous payments. I tried to call them over XXXX times. Everytime I called, the automatic voicemail always said the estimated wait time is XXXX mins and I never get any answer from them even after that long waiting time. They don't have any email to contact. I submited a complain on their website few weeks ago, but nothing happen.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

To whom may concern, I'm writing to dispute the following information XXXX XXXX XXXX reported a New Account to your XXXX credit file. Source : XXXX XXXX XXXX : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Business Type : XXXX Balance : {$1300.00} supplied BY XXXX XXXX currently reported. I do not owe this bill. XXXX XXXX denied access to my personal information from me. XXXX XXXX will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MD)

I reviewed my credit report and noticed 3 collection accounts from Security Credit Service being reported. I disputed the accounts with the credit bureau, it came back verified. I then contacted Security Credit Service via mail requesting for validation of the debt along with a signed contract showing my signature. I never received a response nor did they ever notify my of these debts. I received no phone call, no letter, nothing from this collection agency. I am very frustrated trying to get answers from them.
Consumer complaint received 2023-02-22
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. (NC)

Became aware of account with XXXX XXXX XX/XX/2022 - Submitted a identity theft fraud affidavit to the federal trade commission report number XXXX. 

Item still remains on my credit report
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brennan & Clark, Ltd., LLC (WI)

I closed my two XXXX  accounts on febraury XXXX after going back and fourth for a few months with the service representatives about closing my accounts. I contacted the client service manager about the what was going on ; She finally closed my accounts out for me and the balance was at XXXX she stated on XX/XX/2023. Then I got charged XXXX from the 401k department on XX/XX/2023. So I emailed the client service manager back and asked about the charge. She said that I would have to contact the 401k department about the charge. So I called them on XX/XX/2023 and asked could I be refunded my XXXX because I was no longer with XXXX ; I dont want to do services with XXXX because of the horrible customer service. The customer service representative said that he would email me the paperwork to terminate the 401k in two days. I got an email on XX/XX/2023 and it said that I had to pay the XXXX to terminate the 401k. I emailed the customer service agent back and said I dont want your services anymore. I just want the service terminated I dont need a 401k from you all. The customer service representative sent me an email today saying that he couldnt help me with anything that I was asking for. They are refusing to terminate my services because they want to keep charging me the XXXX every month. Today I also received an email from a debt collection called Brennan and Clark from XXXX XXXX Illinois they sent me an email saying that I owe XXXX  XXXX. I dont owe XXXX  anything because my balance was cleared when I closed my accounts on XX/XX/2023. I called them today which XX/XX/XXXX and asked the customer service representative about the email I received today on XXXX XXXX from the debt collection agency Brennan and Clark from XXXX XXXX, Illinois and the service representative said that she couldnt help me because it had already been sent to a collection agency. XXXX sent my account to collection in order to tarnish my credit report because I reported them in for overcharging me. What they are doing is wrong and I want nothing to do with XXXX  services. I feel as though I am being discriminated against by XXXX because I spoke up about the unfair treatment I have been receiving from the awful this company.