davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (NV)

XX/XX/XXXX - Experian credit report shows XXXX twice for the same student loan accounts. One listed for $ XXXX the other for $ XXXX, with Experian stating I have $ XXXX in student loan debt. I have $ XXXX per the Dept of Education and XXXX. 
Same day I contacted my acct rep with XXXX, he stated one will fall off give it a month. 
Same day I filed a dispute with Experian on the $ XXXX, denied it. Verified with the Dept of Education no one called or placed a verification request for total amount of distributed student loans.The person handling the disputes states consumer doesnt agree with FFCRA. Never mentioned FFCRA as I have no issue with 0 % interest yet but yet now I owe more money since XXXX. XXXX is charging me {$50.00} a month to service my {$0.00} payment plan, yet my interest went up when it should be 0 % from XX/XX/XXXX onward through I believe XX/XX/XXXX. 

XX/XX/XXXX - Both the $ XXXX and $ XXXX student loans are still showing on my Experian Credit Report. Placed a dispute with Experian again, this time under the $ XXXX, sent in documentation to include a print out of my last XXXX statement and a screen shot of the owed amount per the National Student Loan Database, and the Dept of Education with explanation that they are showing the same accounts with two different amounts combining them for total student debt of $ XXXX which is incorrect. 

I send an email to my account rep at XXXX XXXX he calls me back from the East to West Coast, drunk at XXXX XXXX PST, to assist me. Basically said XXXX can not speak to Experian and that yes it is wrong on the Experian credit report as I sent him a screen shot. He suggested what I had already done that is to dispute it. 

XX/XX/XXXX - I called Experian they said no I have the debt of $ XXXX, and opened another dispute on-top of a dispute. They gave no information on how they verify my student loans and refused to acknowledge that the same accounts are listed twice under the same account number ( s ). I advised it is impossible to take Federal Loans out for an XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX - pulled my XXXX  and XXXX credit reports to confirm they are reporting correctly of $ XXXX, sent info to Experian and updated XXXX. 

XX/XX/XXXX - Experian dispute remains unchanged, stated they spoke with the student loan servicer and that the information is correct. Problem is they are verifying one account because you can not combined the two open student loans together, not resolving that these are listed twice. 
Filing a complaint.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost concern regarding the denial of my constitutional rights as a trustee and secured creditor by Navy Federal Credit Union. Despite my best efforts to engage with the bank in a professional and lawful manner, I have been denied services without any factual or lawful explanation. 

As a trustee for the trust, I demand a lawful explanation as to why I am being denied services from a public entity. It is my fiduciary duty to ensure that the trust is properly managed, and by denying me access to banking services, Navy Federal Credit Union is hindering my ability to fulfill my responsibilities. 

Furthermore, I am deeply troubled by the fact that a public entity that deals, negotiates, discounts, and offers securities is denying my fiduciary duty to the trust I am vested in as trustee. This raises serious questions about the authority under which the bank operates- is it governed by self-governance or the governance of the public? 

I urge you to investigate this matter promptly and take appropriate action to ensure that my constitutional rights are not being violated. As a trustee, I have a responsibility to the trust and its beneficiaries.
Consumer complaint received 2023-02-17
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. (FL)

I am interested in disputing all incorrect information on my credit report with experian. all information is not 100 % accurate on all 3 credit reports. please review an remove the invalid data to help clear my file.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile.

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information.

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with Experian, XXXX, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested.

10. Correction of Personal Information : I request the correction of personal information to reflect only one name on my report ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ) and no employers. 

11. Deletion of Personal Statement on XXXX, XXXX, Experian Report : I request the immediate deletion of the personal statement on the XXXX, XXXX, Experian consumer report and the balance of credit scores.

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Experian, XXXX, and XXXX systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws.

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc. (AR)

Colonial Auto Claim they were giving my consent to furnish such inaccurate information on my consumer report. The so-called proof that's provided isn't Verification or Validation due to the fact that you are a debt collector aka non-affiliated third party and you also have my non-public personal information which is identity theft. I never gave you the elaborate mechanism written consent to use my personal information. That is violation of my privacy. According to Tila ( Truth in Lending Act ) aka Regulation Z you are in fact in VIOLATION due to unlawfully furnishing inaccurate deceptive information knowing such furnishing would create false beliefs, Also there are plenty of violations within the contract lets like the down payment its against the law to mix a consumer credit transaction with Cash. Apr as well not supposed to go past 10 %.

Also what securities were given to your corporation?

The extra charges as well any extra charge such as : shall be within the finance charge. The finance charge includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the CREDITOR as an incident to or a condition of extension of credit. So who's credit is it really?
Consumer complaint received 2023-01-12
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. (MA)

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 2024-08-27
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. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
I know that if the Bureaus did not conduct a thorough and independent investigation, including direct contact with the court, this could constitute a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 3 ) ). In such a case, the FCRA requires deletion of the disputed information.
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (AZ)

I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX XXXX and for XXXX XXXX XXXX in. The last week, also a dismissed XXXX XXXX XXXX from XXXX that isnt suppose to be on because never finished and reported incorrectly
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IL)

I was offered a XXXX XXXX, marketed to me as a " student loan '', to participate in a Software Engineering Intensive course at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX was acquired by XXXX XXXX XXXX, who then shut down the program effective XX/XX/XXXX, a week after I finished the program. 

I struggled to find work making the income I needed to make to pay off this loan in the terms I agreed to before entering this program. Because the program was dismantled promptly after my completion of the program, I did not have access to any of the resources I was promised when taking the XXXX XXXX to pay for the program. 

As a result of XXXX, I was allowed to put off this debt through the emergency measures put in place. But now the monthly payments of the loan would be about 65 % of my monthly average income. 

I learned after completing the program, that the XXXX XXXX I took to pay for the program is not a student loan backed by the Dept. of Education, it is a private consumer loan debt. 

I have attempted several times over the last 3 years to negotiate reasonable repayment options with Aspire Servicing Center, the lender that services the XXXX XXXX that financed the XXXX XXXX program. Aspire has refused to negotiate reasonable repayment, and has told me that refinancing with a bank or defaulting are my only two options for repayment. 

Aspire has refused to provide me with any information regarding default proceedings prior to defaulting on the loan in 80 days, if I do not pay the balance of {$2000.00} to avoid default. 

Aspire also services two of my federally backed student loans from XXXX. They have offered an income based repayment plan for those two loans. I am currently completing the paperwork for the XXXX. 

Because the brick-and-mortar school was dismantled, the program 's website is no longer available. Their twitter is still public, as of the submission of this report : https : XXXX XXXX 

I have not been able to seek resolution from XXXX XXXX XXXX. 

I am currently seeking out legal aid to settle the debt of {$24000.00} with Aspire Servicing Center for the XXXX XXXX used to attend the XXXX XXXX program.
Consumer complaint received 2023-05-18
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: Bread Financial Holdings, Inc. (IL)

I have a inquiry from Comenity Capital on XX/XX/2023 on my XXXX  credit report, that I did not apply for. I did not apply for any credit card at all recently.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Going over my consumer report I have notice you are reporting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent ... 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was apart of a data breach that exposed my personal information. As a result, there have been numerous unauthorized inquires placed on my credit report from fraudulent activity.
Consumer complaint received 2022-02-28
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. (IL)

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I had disputed an account with the three credit bureaus XXXX, Equifax, XXXX  that I didnt have any knowledge of. The account was named XXXX XXXX. It was negatively affecting my credit score. The credit bureaus removes this account on XX/XX/XXXX. I received a notification that my credit score went down 40 points, I was trying to figure out why. I didnt have any collections or any balances or anything. The same account was under a different collection agency XXXX XXXX XXXX on XX/XX/XXXX. Thats not and thats illegal. How can you place an account I have no knowledge of under a different collection agency after it was removed! This is negatively effecting my ability to obtain more credit. This isnt right or Fair!
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion should not be reporting me as an authorized user on the XXXX XXXXXXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

Account that were under my bankruptcy are still on reports and they shouldn't be before or after because I never gave consent to share any my information with anyone. I tried to resolve this matter on my own several times over the last couple years. I been dealing with this from XX/XX/2021 and I am tried they not responded to me as of yet with requirements I asked for. I have not received a response from them in over 90 days sense as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority.
Consumer complaint received 2022-02-26
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. (CA)

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank automatic system keeps going over the same automated thing when i want pay my bill. For several days this ben going on. I do not want to give my banking information to no human. 
I call several times a day and it's the same old thing. 
They try tell me something about the phone number. I have several phone numbers that are land lines in my home other than a cell phone number. 
XXXX excuse after another all i want to do is pay my balance off for my credit card.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am disputing inaccurate information that TransUnion is reporting for my XXXX records .This is in reference to a Bankruptcy that was filed on XX/XX/2018 XXXX XXXX this XXXX  XXXX bankruptcy petition was dismissed but TransUnion has it labeled as discharged and it was never discharged because I withdrew my petition so they dismissed it. By TransUnion reporting this information inaccurate it is doing harm to my credit report. I just want them to update it correctly or remove it.