davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I started paying Navient. They said after 9 on time payments my tax refund would be released to me to file. I had set up automatic payments and they didn't take 2 in a row so I called and payed. They said it wasn't good enough and with held my refund again. Then I get letters from 3 different companies saying the now own my loans and to make arrangements for a lower fee. They tried to raise my payment by {$150.00} a month while I was filling social security XXXX. My loans continue to soar in finance charges and interest. I'm currently filing bankruptcy because I've been undergoing treatment for a type of XXXX XXXX. I'm not sure where to turn I feel as if I'll never be debt free or on track with my student loans before I XXXX XXXX. The interest on my loans has more then doubled the original loan and there is no hope. I received a letter years ago stating I owed {$0.00} on my student loans when Obama took office so I'm curious what happened.
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I found out today, when I called to ask Capital One how they received my contact information in order to send a mailing, that Capital One is apparently part of a large-scale identity theft scheme. I asked from where they received my contact data, and they said that their COMPANY POLICY is to keep secret within the company where they buy consumer data from. Two people I talked to could not tell me where the data came from but said that where data is purchased from is always kept secret. They claimed that someone I did business with sold the data to them, but they were lying about this, since that did not fit the contact data that they had. It looks as though Capital One is buying consumer data from hackers. 

I have never done business with Capital One. There is no reason why they have my data, and no reason why they refuse to identify where it came from. 

Identity theft will continue to be rampant as long as companies like Capital One ignore all consumer privacy precautions. It appears to me that they may be violating several federal laws, including the Fair Credit Billing Act, the Federal Trade Commission Act,  and the Gramm Leach Bliley Act.
Consumer complaint received 2024-03-15
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. (FL)

I called your department after I purchased a credit report with XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these XXXX XXXX and collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my XXXX XXXX  XXXX are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX  ; Inquiries : XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TX)

I discovered that the accounts on my credit report were incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2023-06-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$6900.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2019-01-23
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (VA)

I recently filed a complaint against Bloomingdales dsnb regarding payment false representations in their reporting to credit bureaus.

In statements provided to CFPB, Bloomingdales used an old address from XXXX for XXXX -XXXX  billing statement. Even though Bloomingdales was aware and had my mailing address. I recently received mail from Bloomingdales regarding this debt in XXXX at my mailing address. 
After filing my complaint, Bloomingdales intentionally misrepresented and fraudulently updated the payment status on my credit report on XX/XX/XXXX to reflect bad debt, placed for collection & SKIP. 
Thereby falsely misrepresenting that I am missing. Bloomingdales has my address and sent mail to me addressed in XX/XX/XXXX and received XX/XX/XXXX. 
All this in an attempt to suppress my complaint and statements regarding Bloomingdales falsehood and several misrepresentations in my original complaint
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Federal Adjustment Bureau, Inc. (OH)

I am filing this complaint against XXXX  inaccurate reporting of a eviction Case No. XX/XX/2011 XXXX XXXX that was in Fact dismissed this account is older that 7 years. I have suffered the denial of a apartment and fair employment due to the non updated information in the database at XXXX.
Consumer complaint received 2024-03-15
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report
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. (CA)

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 account # XXXX XXXX ________________________ Account Name : XXXX XXXX Account number # XXXX XXXX ________________________ Account Name : XXXX  XXXX Account number # 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 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc. (FL)

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Consumer complaint received 2023-03-02
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. (AR)

XXXX Date XX/XX/XXXX XXXX XXXX XXXX, amount XXXX XXXX XXXX XXXX account XXXX Date XX/XX/XXXX amount XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX  date XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paidXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the dates requested XXXX
Consumer complaint received 2024-03-15
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. (AZ)

XXXX  XX/XX/2024 two new accounts appeared on my consumer report that I do not recognize and Im not liable for. There was previously a fraud alert active on my account from previous identity theft. No account should be open under my good name. Please remove fraudulent accounts by XXXX. Place fraud alert on my account if one does not exist already. Thank you for your time in this matter is of extreme attention to me.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (AL)

I did notconsent to, authorize nor benefit from any of the following inquiries block and remove them. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (GA)

ON XX/XX/2019 AT XXXX AMERICAN EXPRESS CONTACTED MY NIEGHBOR NEXT DOOR AND REQUESTED THEY CONTACT ME RELATED TO MY ACCOUNT. THE NUMBER THEY CALLED WAS XXXX. THE PERSON CALLED FROM XXXX AND ADVISED THIS WAS A DIRECT LINE TO HIM. THEY INFORMED MS XXXX XXXX IT WAS IN REFERENCE TO MY AMERICAN EXPRESS ACCOUNT. I HAVE NEVER DISCUSSED ANY ACCOUNT WITH MS XXXX NOR DID I EVER GIVE AMERICAN EXPRESS PERMISSION TO CONTACT A THIRD PARTY IN REF. TO THIS ACCOUNT. IF AMERICAN EXPRESS HAS WRITTEN AUTHORIZATIN FROM ME BEARING MY SIGNATURE I WOULD REQUEST A COPY.THIS IS IN DIRECT VIOLATION OF FEDERAL LAW AS IT RELATES TO THIRD PARTY CONTACTS. ( 15 USC1692C ( B ) ) I WOULD LIKE YOUR AGENCY TO FOLLOW UP AND CHARGE THE VIOLATOR OF THE LAW.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 the 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 2022-12-13
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)

Equifax has mangled my sons credit report. 

I have twin sons. XXXX and XXXX XXXX. 

My son XXXX applied for a loan through the XXXX and was approved for {$7500.00}. Hes had steady jobs since he was XXXX. He is XXXX. 

When we tried to finalize the loan through Equifax, we discovered that they had put XXXX information into XXXX SS #. 

XXXX - XXXX XXXX XXXX XXXX XXXX has no history, we discovered, because XXXX information occupies XXXX #. And Equifax asked XXXX to fax XXXX  Driver 's License and SS card for proof. But nothing has happened. Its been a month.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX My previous address needs to be removed from my credit report.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2019-08-04
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. (WI)

Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of Experian/ XXXX breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.
Consumer complaint received 2019-07-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

XX/XX/XXXX I reached out to Mr.Cooper for assistance they sent a email for document to review for a modification with a initial deadline for XX/XX/XXXX then it was extended to XX/XX/XXXX. I supplied the necessary information to Mr. cooper via email first time then I sent it via certified mail along with a cashiers check to their post office box. I was under impression everything was satisfied and I was actively working at getting back on my feet by getting a job and finding suitable arraignments for my ailing wife. I got many text messages and phone calls that went directly to vm with no ring and I didnt understand the process so when I would call in a representative would state your account is behind would you like to resolve the debt which made me upset because legally Im asking for assistance and they only care about the money. I eventually had to send documents to a senior magangment that shows that I timely filed within the deadline and the mixup is attributed to Mr cooper. Even with all that I get a notice saying my modification was declined because I dont file in the appropriate time. I filed within the timeframe they provided andI truly believe they are causing the account to purposefully Age I cant call with out cursing and screaming because nobody takes there job seriously and I take my life and commitments very seriously
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a couple names being reported that is not mine. 
The names that are not mine are the following : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
My legal and birth name is XXXX XXXX XXXX. 
I've been trying to get these inaccurate names deleted by contacting the reporting agencies, but they failed to do so.