davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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. (WA)

Since XXXX I have struggling with fraud on my personal identity. We got someone in XXXX the file IRS fraud taxes under my and wife social security numbers. Police report was file back in XXXX for identity theft, A other police report was file back in XXXX do to identity theft again. In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report for identity theft I have file with the city of XXXX WA. Now this account is showing on my 3 credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested to delete this account on my personal credit report do to Fraud and Identity Theft : to XXXX, Experian and XXXX to delete this account on all from my credit report and increase my XXXX XXXX to XXXX point how it was in XX/XX/XXXX. On Negative Collection and ChargeOff : ( XXXX ) XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Balance : $ {$51000.00} ( XXXX ) XXXX XXXX XXXX # XXXX? Date Opened : XX/XX/XXXX Balance : {$440.00} ( XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (NJ)

My loan with Mariner Finance was paid in full on XX/XX/19. All 3 credit reporting agencies had my loan as paid in full on XX/XX/19. Then all of the sudden on XX/XX/19 my loan balance was put back onto my credit reports with XXXX and XXXX and XXXX negative comment added. How can Mariner Finance add my loan back onto my credit report when it is paid in full? My score dropped over 30 points on both credit reports. I need it fixed by XX/XX/19 so that I can buy a car!! I should not have to deal with all this stress!!!
Consumer complaint received 2023-02-28
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (AZ)

My name is XXXX XXXX and I am writing to you today to file a complaint against Navient. I called Navient at XXXX XXXX  on Tuesday, XX/XX/XXXX. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient customer service representative when I called was unfortunately, there is no way to really dispute that here.. So unfortunately youll still have to pay on these loans here. The Navient representative clearly denied there is a process. I sent a written summary of this call by email to the general Navient account as well as to the Navient office of the customer advocate. I received a response from the office of the customer advocate dated XX/XX/2023. ( I have attached a copy ). In this letter, the customer advocate XXXX XXXX explained, among other statements, that there is no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. I believe there is a problem with this response and there should be a process for providing me with more information and relief. Further, since making this call, Navient has been calling me repeatedly day and night. Navient has also sent written communications, including friendly reminders that my payment is due even though I am raising a defense to repayment. 

Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial distress and limited career opportunities. Attending this school did not provide me with a quality education or necessary credentials, leading to difficulty in obtaining jobs and has made it impossible for me to advance in life like a typical XXXX yr old. I have not been able to buy a home or rent an apt without a cosigner. The emotional toll this whole ordeal has caused my family and I is inexcusable.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Consumer complaint received 2023-03-01
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$5700.00}
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
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. (NC)

I XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( XXXX ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Consumer complaint received 2019-07-29
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 CONTACTED EXPERIAN LAST DAY XX/XX/XXXX MY REPORT UPDATES TO ACCOUNT UPDATED ACCORDING TO Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective XX/XX/XXXX XXXX upon enactment ). 

ALL INFO MUST BE ACCURATE IF NOT REMOVED OR COMPENSATION SHOULD BE SEEKED THIS IS MY LAST EMAIL TO THEM BEFORE I SEW THEM FOR IGNORING MY FILE
Consumer complaint received 2023-06-07
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. (OH)

I am a victim of XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for Human Trafficking Victims. I have had success with Equifax, but both XXXX and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. XXXX has a dispute center on their website which does not work. After calling XXXX, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed XXXX XXXX record in the US MAIL and send it to a XXXX XXXX and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of XXXX XXXX. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. Equifax has removed the Public Record of the Bankruptcy I was forced into by my XXXX and the student loans I was forced to take by my XXXX I can not get the other bureaus ( XXXX and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of XXXX by using, for example, confirmation questions a victim of XXXX could easily answer to prove their identity and other non-documentary means.
Consumer complaint received 2022-05-31
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. (MD)

Equifax is reinserting accounts on my credit report. Accounts that I have disputed that was inaccurate was deleted and then reinserted without any notification from Equifax.
Consumer complaint received 2019-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

On XX/XX/ 2019 I placed an online order for a TV from Conn 's  website, www.conns.com, after paying 20 % upfront, as well as a required flat rate delivery fee of {$79.00}. XX/XX/XXXX, I received the tv via delivery. On XX/XX/XXXX, I contacted Conn 's via telephone call, and informed them of my intent to exchange the TV for a bigger size. According to written policy, any item purchased online and delivered, was eligible to also be picked up for free. However after a week of trying and failing to secure a pick up date, I finally took the television into a brick and mortar store location, and personally handed the TV to store Management. We discussed my situation and agreed to exchange the set for a bigger one. I paid in cash an additional fee, and was told the TV right be delivered to my house the very next day. Day 1, passed. Nothing. Day 2 to Day 3, day 4 fast forward ALMOST TWO MONTHS and still no TV. I have decided to accept the obvious, that I will not be able to complete this transaction successfully and so, do hereby cancel same. As such, I respectfully request the following actions : 1 ) a proper refund of my monies : down payment {$110.00} delivery fee {$79.00} and upcharge fee {$26.00} for a total of {$210.00} ; and 2 ) the voiding of any sales/order or installment contract associated with this transaction ; And 3 ) I respectfully request these actions be taken immediately and without further delay. 

Despite never receiving the merchandise, I am now being harassed by Conn 's collections, and having to correct the records on my credit report. 

I placed this order in good faith, the same good faith with which I have supplied Conn 's with almost {$220.00}. and in response to this good faith, Conn 's actions or lack of them has proven problematic at best, potentially litigious at worst.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Receivables Performance Management, LLC (GA)

To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Receivables Performance was inaccurately reported to my XXXX and XXXX credit report. Receivables Performance is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters from XXXX 2019 to XXXX 2019. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Receivables Performance and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY.. 

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-01
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION (CA)

In XXXX of XXXX, I purchased/leased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due too unforseen factors i was not able to obtain insurance of the vehicle due to my driving record. I notified the lender and they held to the original agreement of provide insurance or one will be provided and added to the loan. Since owning the vehicle you the lender has now added in the area of {$7000.00} + of collateral damage fees. The loan is a 10 year loan. I will be eligible to insure and the end of they year of XXXX per my broker. I am a responsible borrower and i do not have any negative impacts on my report, they have tried to waive numerous tine with no success but continue to stack on ridiculously amounts of collateral chargers. 

I have even asked to waive all fees to allow me to get back to my i original balance so i can pay off and take my buisness else where but with no success on their end,
Consumer complaint received 2022-09-01
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
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. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (NY)

I am filing this complaint against Good Leap, who is financing the solar panels that I purchased for my home. I am trying to file a complaint against the Solar Panels due to the fact that I am financing a non working product. I have called the solar panel company to rectify the issue to no avail. 

I have contacted Good Leap to address the problem and dispute the charge but they continually tell me that they will call me back but never do. As a result, they are denying me the ability to dispute this fraudulent charge with the solar panel company.