davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (IL)

I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. I didnt never use this card and all of the charges are not mine I cant not get in touch or know how to get in touch with this company because of my learning XXXX and XXXX. Please just help me. Im tired of people taken advantage of me. I didnt never authorize nobody neither.
Consumer complaint received 2023-03-02
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. (FL)

These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX, Equifax and XXXX Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.
Consumer complaint received 2023-03-03
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. (TX)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian,  XXXX , and  XXXX  the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file. (  XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Section  616 and Section 617.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (NY)

National Credit Systems submitted a claim of {$700.00} on XX/XX/XXXX purportedly on behalf of my last landlord in XXXX, XXXX by the name of XXXX XXXX. I had rented in XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. 

Paid all the utility bills and left the place pristine clear. 

Instead of refunding my deposit of {$300.00} or {$400.00}, they asked me first to pay {$150.00} on XX/XX/XXXX. I refused to pay a fake charges of {$300.00} and instead requested for refund. 

For last several months through XXXX I have disputed both the charges as well as the inflated demand of {$700.00}. Even if I have believe to charges - the charges was for {$300.00} not {$700.00} and demand amount in XX/XX/XXXX was for {$150.00}. ( I have emails supporting my claims ). 

I was targeted for being a minority. 

I have troves of emails from XXXX, XXXX when landlord demanded {$150.00}. 

I had credit score close to XXXX which was accumulated over my stay in XXXX over last two decades. With fake collection amount of {$700.00} they destroyed my credit to mid XXXX 's.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, Equifax, XXXX, XXXX and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed on my credit report.
Consumer complaint received 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I originally took out a loan of credit for {$3500.00}. I didnt realize there were so many fees attached to every payment. I have had to advance more money to get back money to keep paying my bills so its become a vicious cycle. I have paid probably close to {$8000.00} in payments and I still owe almost {$3500.00}. Right now my payments are around {$200.00} biweekly with only about {$15.00} going to the actual lone. I live in NJ. This practice is definitely predatory and Im poor and I cant get ahead. I cant survive on nothing.
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (ME)

My issue is with discover collections, they are repeatedly calling me up to 5 times a day. I am being harassed and called constantly in XXXX minute intervals from discover, an agent, and repeated calls from numbers that hang up immediately when answered. I am being called late at night after XXXX XXXX and sometimes in the early morning. This is excessive and harassment and is causing myself and my family emotional distress. They are calling my relatives even after I have repeatedly asked them to contact by mail with proof of debt and charges. I only receive statements in the mails nothing else. I have attached screenshots of my most recent calls to show as an example.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (NY)

I am filing this complaint cause I had a discover credit card that was joint with my mother that was opened on XX/XX/2012. 

I was attempting to sign up with credit monitoring with XXXX and was unable to create an account. I called XXXX customer service and when they looked further into the situation, I was told that one of my creditors was reporting my accounts with my social security transposed. The social they are reporting is XXXX the correct social that should be reporting in XXXX. I was told that until this is not corrected by my creditor my file would not be accessible online.
Consumer complaint received 2017-06-11
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. (MI)

Equifax wrongly believes a tax lien #  XXXX  from the  State  of Michigan for {$3800.00} on my credit report belongs to me when really it wa s ( w rongly, but that 's another story ) issued to my deceased grandfather.     I submitted a dispute with Equifax on  XXXX   XXXX     2017  that was essentially denied when they " verified the information ''. I had other disputes with  XXXX   XXXX  and   XXXX   that both went positively and they have removed the item.     I have a copy of the lien, a copy of both my and his license, and his social security card. I would be glad to verify any information as soon as possible.     Thank you
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

I rented a storage. i went to XXXX the storage sold all of my stuff my kids clothes, my family pictures. then they sold the account to a collection agency and the agency is reporting to my credit. The debt is already paid with them auctioning off my entire life.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ACCOUNT # XXXX AMOUNT : {$2600.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.
Consumer complaint received 2020-05-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2017-05-04
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. (NC)

Credit reporting allows organizations initially resolved in bankruptcy to resubmit debt under different names. No identification. No honoring judge legal order. No following FCR laws. I paid previously during time required. I never applied for other credit but system process and freezes consistently fail me. Its illegal after years of bankruptcy process and instructions to SIMPLY MAKE ME START OVER. Equifax,  XXXX , and Others. My problem is Known unfair practices!
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The inquiries listed below were not authorized by me. I have attached FTC report for these inquiries that are on my credit file fraudulent. 

XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Experian XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX BANK XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 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 2023-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX, I contacted Navient and spoke with a male representative to inquire about applying for the Navient Rate Reduction program. I explained that my loans last qualified for the program more than a year ago, yet I had not been able to apply for it since it last expired in XX/XX/XXXX. The representative reviewed my account and informed me that my student loans were " gray listed. '' He further explained that although I have 9 years remaining on paying my student loans, my loans have been internally " gray listed '' and that prevented me from being able to apply for the Navient Rate Reduction program. He further stated that the company tends to " gray list '' student loan accounts with payments of 5 years or less remaining ; however, he was unsure as to why my account had been " gray listed '' when I had significantly more years left on my student loan payment plan.
Consumer complaint received 2024-02-02
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)

Recently on XX/XX/XXXX I obtained my credit report before applying for a mortgage, I noticed that I had activity on my credit report going back all the way to XXXX from someone obtaining loans and 2 open car loans in my name through a company called " XXXX ''. I do not have possession nor any knowledge of these things. As I investigated further, I have numerous erroneous addresses that I have never lived that along with jobs I have never worked at listed below. 

XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Jobs I have never obtained : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (LA)

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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (TX)

The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws. This is different violation concerning not statement on letter Right to Dispute
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are fraudulent accounts appear in my report, please investigate them :   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 2020-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/2020 a letter from Midland Credit Management XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a XXXX credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact XXXX directly because that is where the account originated. 

I contacted XXXX on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
XXXX XXXX