davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (FL)

XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX 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 an account without my written instructions.
Consumer complaint received 2017-02-17
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (NM)

My complaint is about Navient and in particular one of their collectors, XXXX. Several years ago my son applied for a student loan in which we cosigned for. He had been making payments until he was injured on the job and was fired. He is presently unemployed. He has tried to make payments, however small, in good faith, but because it 's not the amount they want they have refused them. They have contacted us on a weekly basis for payment, but we are unable to pay. My husband is very ill and we are struggling with our own medical bills and are heavily in debt. I understand it is their job to try to collect but it hit an all time low this week when they started calling my place of work. ( I only work part time because I take care of my husband and take him back and forth to his doctor 's appointments. ) The worse, though, is when I got a call for my boss last night that they somehow got a hold of her private, unpublished home phone number and harassed her XXXX daughter! This has got to stop! I 'm afraid it is going to cost me my job.
Consumer complaint received 2022-04-20
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. (CA)

XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-04-20
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Scott Fetzer Financial Group Inc. (MN)

Back in XX/XX/XXXX, I reached out XXXX XXXX XXXX to help settle on owed back taxes. XXXX XXXX, Resolution Officer, informed by in a phone conversation that their business could settle between $ XXXX, and have been successful with their resolutions in the past. When I signed on they asked for {$250.00} for the filing fees and told me that I would have to sign more documents, power of attorney so that they could work on my case # XXXX. And that they could get started as soon as I pay them their fees in full. I had to take out a personal loan with United Consumer in the sum of {$5300.00}, and have made 5 payments of {$740.00}, and still owe {$4600.00} until it is paid off, but they did get their money from the loan already. Then they assigned me a case manager, XXXX XXXX. I heard from her once. I had to keep contacting them via emails and phone calls, because they were inconsistent about my case and what I have to do next. I finally started to reach out to them in XXXX and in XXXX. They told me to send in my financial and expenses documents, which I provided back in XXXX. I finally got a letter from the Internal Revenue Service on XX/XX/XXXX, stating that I was set for an installment agreement payment, IN FULL until it was paid off, year XXXX. I will retire before them and will not be able to pay off this debt. XXXX XXXX did not deliver, I could have set up the installment agreement myself. I want my money back, and to be rid of the deb that I owe United Consumer. I felt that these were fraudulent practices.
Consumer complaint received 2023-07-05
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. (AZ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 section 602A section 2. it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-04-20
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. (GA)

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX  XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX  XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX XXXXXXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXXXXXX XXXX XXXX CA XXXX I only work for XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC. (TN)

Who it may Concern I Never applied for a Loan from this you reporting on n accurate information and send Mail to my resident I reach out several Time my information was fraudulent use and you Need to investigate and remove my Name from yall Data Base
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Recently, I, allegedly, defaulted on a credit card by Capital One N.A. ending in XXXX and they sold my personal information to XXXX XXXX XXXXXXXX XXXX without my consent. My demographics and social security number was sold. I want to request for a full investigation whether they have a right to sell the information mentioned, and if they paid the taxes on this alleged debt when it was charged off or the excised tax that is due on a carry over basis. I don't think Capital one nor XXXX XXXX XXXXXXXX has the necessary forms on file with the social security administration. I have a reference for a similar situation that happened to someone else. The reference number is XXXX.
Consumer complaint received 2022-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX XXXX, XXXX has a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred. sold and I am no longer responsible for the account. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill or statement without a signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-04-20
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 the following have violated my rights : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # 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.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One failed to notify me properly within illegal allotted time after the insertion of negative information which is a direct violation FCRA Section 623 ( A ) ( 7 ) /Regulation V. If Capital One feels that they have sent me written notification properly, then I am requesting a copy of the certified mail receipt bearing my name and signature. If Capital One can not provide proof of documentation requested within the next 10 days then I am requesting a deletion from my credit file! Furthermore Capital One has continued to report negative information without written notification which is a violation under FCRA 623 ( A ) ( 7 )!
Consumer complaint received 2022-04-20
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. (ND)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
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. (OH)

Hard inquiries on my credit report that should not be on there are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my credit score below where it suppose to be.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-06-25
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. (TN)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY
Consumer complaint received 2019-06-25
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. (TN)

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Remove from my credit report XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX )
Consumer complaint received 2015-09-18
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

I purchased a water softener for my home through Castle Credit Corporation and water softener was installed. 
I was charge {$4200.00} for the water softener in which it was a basic water softener. 
I was n't aware of the charges and l am on XXXX XXXX XXXX and Retired. 
I am on Prescribed Medications and a Military Veteran. 
The water softener was installed at my home at XXXX XXXX XXXX XXXX XXXX, Texas.XXXX. 
I am paying {$78.00} a month with high interest and finance charges of $ XXXXXXXXWater softener was installed around XXXX or XXXX 2015.l purchase my home on a VA loan and closed escrow on XXXX,2015. 
My account number # XXXX is not listed on my credit report with XXXX XXXX XXXX. 
Castle Credit Corporation contact number XXXX and fax XXXXXXXXPlease implement this complain in another category of credit.not Mortgage
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Glasser and Glasser, PLC (VA)

I have a judgement from XXXX XXXX entered 2008 and just received a garnishment letter to my company from Glasser and Glasser in XXXX saying I owe over {$3500.00} from a hearing XX/XX/2016. They have now starting garnishing my check. The address they show is incorrect and I was never been served by either XXXX XXXX or Glasser and Glasser ; and second, this debt is over 7 years old.
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (DC)

I filed a dispute on my debit card for not receiving items that I purchased with my debit card back on XXXX XXXX, 2015 with my bank and they assured me that they would have my money credited back to my account by XXXX XXXX, 2015 and they have yet applied the amount back to my account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within XXXX  days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to XXXX, Equifax and XXXX. They also have a copy of my FTC report