davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Parrish and Lebar, LLP (VA)

PARRISH & LEBAR, LLP is a law firm acting in the capacity of a debt collector. This is a clear violation according to the FDCPA 15 USC1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Also from the FDCPA, 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They keep furnishing information stating that I am not the creditor. A Corporation can not create credit they only receive credit when they enter into a trust transaction They are also violating TRUST LAW because a US TRUST, according to 26 CFR 10671-5, is being administered in this frivolous court case and the TRUSTEES are not fulfilling their fiduciary duty 's to the beneficiary, XXXX XXXX XXXX- beneficiary , but not providing the correct documentation to show that there is anything lawfully owed on an alleged debt.
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, and 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 instruction
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

I was looking at my consumer report and noticed several student loans listed on my account. I am writing this letter in reference to these loans and would like to settle this matter with your company. 

I would like for Nelnet to send me a statement of the amount owing as of XXXX XXXX, 2022, and I am conditionally agreeing to pay if you can provide me with the original instrument of indebtedness in its original form. I do not want Nelnet to send me a computer-generated letter, or a copy of a promissory note, I only want the original instrument of indebtedness with my wet signature on it. 

In addition, I would like Nelnet to know that only the holder of the note has the right to collect on the original instrument as such. Please provide proof that my account was not sold and used for profit as it pertains to securitization. 

Lastly, I would like to request my written permissible purpose letter that I sent your company that stated I gave your company the right to furnish this information on my consumer report. According to federal law, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) 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.

Never did I once grant your company permission to furnish such information on my consumer report nor did I consent for you to sell my personal information to outside third parties. I am giving your company thirty ( 30 ) days to settle this matter, please use this time wisely.
Consumer complaint received 2024-03-13
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. (FL)

I am writing to express my concern regarding the unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-04-19
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. (NV)

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. 1. XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than seven years.

15USC 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 2022-10-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

I applied to Better Mortgage for a refinancing of the mortgage loan on the rental property that has been held in my late husband 's trust for over 12 years. They gave me pre-approval and a loan estimate. Then, they started demanding over and over again that the loan had to be closed in my trust, not my late husband 's trust. This would make my trust responsible for the loan not my late husband 's trust and violate the terms of the trust. Two estate attorneys and XXXX XXXX XXXX official have informed me the very accepted legal practice for recording this type of loan is to record the loan in the deceased person 's trust with the trustee listed on the loan which is me. But Better feels it does not have to comply with normal legal practice. This is just back door age and sex discrimination because there is no evidence properties held in the trusts of deceased persons long term have any more default risks than other properties. As the trustee, I have excellent credit, XXXX XXXX in liquid assets and adequate income to quality for the loan. PER XXXX, THE PROPERTY IS WORTH MORE THAN FIVE TIMES WHAT THE LOAN AMOUNT WOULD BE!!!! It is also in XXXX, XXXX which has sharply rising rents and property values, a great school system, the highest per capita household income in XXXX XXXX and is home to a very large XXXX XXXX and XXXX facility. Even if we had another XXXX XXXX the property would be worth more than twice the loan. The real reason they want the loan recorded in my trust is so when I die Better can invade the principal of both my trust and my late husband 's trust. Indeed banks and other lenders stealing from the trusts of the deceased is becoming more and more common.
Consumer complaint received 2022-04-19
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. (PA)

All student loan accounts were marked as closed for an entire XXXX XXXX and were reopened as of XXXX. This is illegal and inviolation of my consumer rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Info was marked as accurate which in inaccurate and I am entitled to cure forthwith and henceforth.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-13
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. (IL)

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, and Equifax to reinvestigate & remove these accounts : XXXX Collections : XXXX XXXX XXXX XXXX : The Open Date : XXXX XXXX, XXXX, no account # provided XXXX Hard Inquiries : XXXX XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided Equifax Hard Inquiries : XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided Secondly, they stated everything will be removed in 4-5 business days and the fraudulent items are still on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

In addition to, I would like to apply the FCRA Consumer Laws : 605B 15 U.S.C 1681 1c-2, 15 U.S.C 1602p, 15 U.S.C 1692c, 15 U.S.C 1681s-2, 15 U.S.C 1681i ( 5 ), 15 U.S.C 1681s-2 ( A ) ,15 U.S.C 1681.

In Conclusion, I would like to apply FCRA Consumer Law15 U.S.C 1681n ; IF applicable to my current situation because it has been longer than 30 days that they advised me on.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (FL)

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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-26
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)

I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX
Consumer complaint received 2022-04-19
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: CORELOGIC INC (CA)

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 2022-04-19
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. (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. 

XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept Of Education/XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX 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 2022-04-19
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)

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. 

XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept Of EducationXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address have 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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To whom it may concern, I am trying to simply access my credit report online from TransUnion. I have called several times and have spoken to several individuals to resolve the issue and my account is still locked! I have verified my identity and have sent in all documentation as requested. It has been months and I still do not have access to my account. I simply want to sign into my account. Again I have verified my identity to several representatives by answering security questions and have sent in my ID etc. I continue to get the run around and to get transferred to another department. I want this to be resolved expeditiously!
Consumer complaint received 2022-04-19
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: SYNCHRONY FINANCIAL (OH)

PayPal credit will not handle resolve my XX/XX/2021 {$330.00} purchase dispute and reverse the purchase back to the merchant. The recent statement Paypal has provided to me about my purchase merechant agreement with the merchants return policy is something I have never seen this before/during my purchase with this particular merchant? The merchant is just creating this policy any providing it to PayPal in order to avoid my dispute/return.
Consumer complaint received 2022-04-19
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. (NY)

the accounts listed below I have been disputing for months now and they still haven't been removed. XXXX and transunion has ignored my request to for several months to remove this inaccurate, un verifiable fraudulent identity theft accounts from my report. they have not sent me signed contracts to verify that these are mine. it had been for that 45 days with no proof I own these. please enforce the laws on transunion and XXXX to remove these. 


XXXX account XXXX XXXX XXXX LLC ( original creditor XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-04-19
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. (OH)

In accordance with the Fair Credit Reporting Act Account name 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 connot furnish an account without my written instruction.
Consumer complaint received 2019-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello! 
I filed a Chapter XXXX Bankruptcy in ( I believe ) XX/XX/XXXX, it was dismissed a few months later. 
There were 3 accounts with 2 creditors ( 2 with Capital One and 1 account with XXXX XXXX XXXX ) that were all charged off in XXXX of XXXX. 
I never received any communication from these creditors regarding the accounts after they were charged off. 
Now, over 3 years later, between XX/XX/XXXX and XX/XX/XXXX, all XXXX of these suddenly appeared on my credit report as " failed to pay ''. 
Is this legal?