davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OR)

I have been in an IDR plan for several years ( since 2014 ) as I was laid off work and unable to find employment, I was basically forced into retirement and had to live off Social Security. I do occasionally pick up private contracting work but last year I didn't get any contracts and this year is looking to be the same with nothing available work wise to supplement my Social Security. Two years ago I made an additional {$8000.00} doing contract work and since Navient uses tax return information to base their IDR payment on, they have now raised my payments THIS year to the point of them taking almost a full 20 % of my Social Security, which is my only income. I can't afford these payments and contacted them explaining this, Their only solution/recommendation was to request a postponement option available on their website. The only options there are for unemployment deferment or financial hardship deferment neither of which are applicable to my circumstances due to them both being a " short term '' solution. Also, I am $ XXXX short of qualification for a forebearance. It's like a catch-22 situation, I have paid on these loans for a very very long time and now that I can't afford to make the almost $ XXXX there seems to be no avenue of recourse for me.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-11-19
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. (AL)

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 Experian XXXX  XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX 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 2023-09-07
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: EQUIFAX, INC. (GA)

I requested validation/verification on multiple occasions. I was told by the credit bureaus representatives that the company simply saying its verified is enough to mark it as verified. Federal law states that if This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Creditors and other furnishers of credit information are required to remove and block the information. Credit information must be reported consistently across all credit reporting agencies. I have provided proof as seen in the attachment of the inconsistencies and fraud and its still being reported.
Consumer complaint received 2023-11-07
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 2022-12-22
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. (NY)

THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-11-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (VA)

I applied for a Discover loan on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXXXXXX XXXXa attorney in fact For ; XXXX, XXXX
Consumer complaint received 2023-11-05
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)

This company is reporting canceled debt on my consumer report if we go to the IRS and we look at the IRS publication, the IRS defines a charge off or a 1099C as gross or ordinary income. Income does not get reported on the consumer report if income does not get reported on the consumer report why is a charge off being furnish as a debt and the IRS says by definition it is income this number becomes an in accurate account, under 15 USC 1681 EB, which speaks on maximum accuracy of the consumer report it must get deleted [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2023-01-25
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. (CA)

Experian did not delete the unverified collection off my Credit report. 


XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-04-04
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. (NY)

XXXX, Equifax and XXXX is reporting a bankruptcy on my credit report and they put in the data furnisher as the XXXX XXXX Bankruptcy Court of XXXX XXXX which is false. I have attached a letter from the US Bankruptcy Court of New York verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning any persons bankruptcy.
Consumer complaint received 2023-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

On XXXX XX/XX/2023, my federal student loans were discharged through the PSLF program. I was promised on that day that within XXXX to XXXX  days I would receive my final discharge letter. I am being required to show that letter for purposes that are really none of the business of MOHELA, my servicer. However, many of us who were discharged on that day have yet to receive that letter. I have filed numerous complaints through customer service at MOHELA. 

Prior to my leaving the country for a work trip, where I am still, away to this day, MOHELA called me, and promised me that that letter was on its way, being generated, and would be in my electronic inbox within XXXX to XXXX  days. That was in early XXXX. It is still not here, and every time that I write them, if I get any sort of response at all, which is about XXXX out of every XXXX letters, I get a canned bot type of response rather than a real human being actually understanding my question. My credit report is clear, and everything is showing that my loans have been discharged and paid in full. However, until I received this final letter from them, I am not cleared from the final place that I need to be on my end. This is a form letter that MOHELA generates, and I don't understand why they can not simply placed that letter in my inbox. I do not receive snail mail from them, as I have pointed out to them multiple times, since I am out of the country. It cost me every time I have to contact them while I am out of the country. And today I received another written response from them, after waiting about XXXX weeks to get any sort of response from my last XXXX emails, and this XXXX  said that somebody would try to call me. I do not even have cell phone service while I am out of the country, some thing I have told them at least XXXX times. This is entirely unacceptable. The only thing I want is that letter sent to my inbox as I was promised, around XXXX XXXX via phone call with a MOHELA agent. I will be escalating this complaint, even further, if you are unable to help me. The customer service of this federal contractor is entirely unacceptable, and, although I am only able to speak for myself. In this complaint, I assure you that I am not the only XXXX speaking.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork to the credit agencies according to the FCRA. My disputes are not being filed correctly and my paperwork is not being attached to the disputes. And I am not getting copies of the verification process
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$650.00}
Consumer complaint received 2023-11-05
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. (MI)

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 ( premier bkcrd first premier ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Since XXXX of XXXX I have been trying to get negative information off my credit report including inquiries. Most accounts on my report are not mines/accurate. I have been trying every month since XXXX of XXXX  to contact XXXX, XXXX, and Equifax about removing negative items from my report and have not gotten any results.
Consumer complaint received 2023-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (OK)

XXXX XXXX  bought the previous loan company I paid a house payment XX/XX/XXXX they said they didnt get so I sent them my bank statement where it came out the put a ticket on it and said it would take a month before I would know anything which is making by me delinquent I paid XXXX payment the XXXX and they got cyberattacked that day I got a statement that doesnt credit XXXX payment and they are double charging me for my 2nd mortgage payment I need your help Thanks
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

I am reporting to your attention a matter of significant concern regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that XXXX XXXX and Synchrony Bank have disclosed my private information to a third-party agency without obtaining my explicit permission, thus contravening the provisions of the FCRA. 
The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681 et seq., explicitly safeguards the privacy and rights of consumers about the collection, dissemination, and use of their personal information by consumer reporting agencies. Section 604 of the FCRA ( 15 USC 1681b ) establishes that consumer reporting agencies may only furnish a consumer report under specific circumstances and with the written instructions of the consumer to whom it relates. 
I became aware that XXXX XXXX and Synchrony Bank have shared my private information with a third-party agency without securing the necessary written consent from me. This act not only violates the FCRA but also infringes upon my right to control the dissemination of my personal information. 
Failure to address these concerns may necessitate further legal action to protect my consumer rights.
Consumer complaint received 2023-05-16
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
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. (NY)

My name is XXXX XXXX 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 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : XXXX was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also XXXX others that are more recent but are not mine. I have also contacted the courts to see if they provided Transunion with this inaccurate information and they stated " No. '' Please see attachments. I need your assistance in getting this matter resolved and removed from my credit file.
Consumer complaint received 2023-11-09
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. (PA)

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. 


Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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.