davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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: Fidelity National Information Services, Inc. (FNIS) (LA)

remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging score and violating FCRA or provide proof in writing within 30 days. My driver license number does not end in XXXX
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

Experian sent an email message to my wife and a separate email message to me stating, " This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. '' The online mechanism to set a credit file Security Freeze does not work for my wife or for me, perhaps because we do have Security Freezes in place. As a result, the only means offered by Experian to lock a Experian credit file is to enroll in Experian 's latest credit monitoring service. Even the free credit monitoring service requires the consumer to accept advertising from Experian and its business partners. Only after accepting a new, free membership in Experian 's credit monitoring service, with the unwanted advertising, was I informed that there was still a Security Freeze on my Experian credit file and Experian was offering another service called " CreditLock '' that would prevent identity theft. Clearly, this is deceptive marketing by a credit bureau.
Consumer complaint received 2023-01-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-16
Product: Credit reporting 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. (DC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-30
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-12-08
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. (CA)

Experian is violating the FAIR CREDIT REPORTING ACT they know the account does not have my name and they still are reporting it and its reported twice and it a secured care in which no debts are left with secured cards and thats why they are called secured credit card, you only spend the money you have loaded or previously add by bank, atm, or however the cash load works! I need this fixed i am looking for work and this has caused me to miss out on employment opportunities. Thank you Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-01-14
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. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; XXXX XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-14
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. (CO)

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-16
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. (CA)

I still have negative items reporting on my credit report without my consent effecting my right as a consumer. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6801 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of XXXX XXXX XXXX regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX XXXX. The address on the so-called form was not where I shared a residence with my ex-wife. 

Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them. 

On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc. (VA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

I discovered Navient has possibly sold my loan to another servicer by checking experian. I have not received any notice this was taking place and now I don't know how to register for the IBR by  XX/XX/XXXX. I did receive my quarterly interest statement this week ; however, no information about the new servicer and how to register for the IBR. This stresses me out! I'm struggling! Also, I was under the impression that a college education would put me in a better place financially. I graduated on the XXXX 's list and have never held a job pertaining to the XXXX XXXX degree. It's frustrating that I graduated in XXXX and couldn't earn enough to even generate enough income to pay on a student loan until XXXX and have to choose between eating, paying for my broken wrist, follow up treatment for XXXX, treatment for XXXX XXXX or paying for student loans. I STILL can't even afford to insure a car. I'm a single parent of XXXX adult children and with all of these issues, I don't dare marry. Housing expenses have climbed for everyone. I cohabitate with my son who struggles also.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$180.00}
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-08
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. (PA)

I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.
Consumer complaint received 2024-03-16
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, Equifax, XXXX Last 4 socialXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX on the account ( XXXX XXXX ) .and accordance with the fair credit act XXXX XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2019-12-08
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: Receivable Management Group, Inc. (GA) (PA)

I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.
Consumer complaint received 2019-12-08
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. (PA)

I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

An OLD credit card OVER seven years old was removed from my account last summer due to the account being OLD. NOW, it has appeared on my credit report again recently with the same information just a new date and NEW collection agency. This should NOT be on my credit report.