davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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: Early Warning Services, LLC (CA)

I was notified that I was part of the XXXX data breach via a letter on consumer file I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools.I was notified by my credit reporting tools that my credit report was released to Banks without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from today as I continued to call back andattempt to get the inquiries removed from my credit report. The following month I received a letter from these inquiries below per a request to open a checking account which I did not request or apply. I notified these banks who immediately took action and helped me file a 7 year fraud alert on my credit report with these banks who also did same with the other to credit reporting agencies. HOWEVER, these banks sent me a link to do same with XXXX since this was a request for checking account in my name Please help me look into this matter XXXX cant open a bank account
Consumer complaint received 2021-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Collection Systems, Inc. (TX)

Ive tried contacting in XXXX of this year XXXX  XXXX XXXX XXXX XXXX  and collections agency National credit management but they offered no help with payments or lowering collection fees of XXXX nor were open to pause in interest at 5 %. Ive tried explaining how with my transcript locked due to this dent Im unable to finish school and therefore get a job thatll pay me enough to pay debt as well but they still offered no help.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I HAVE SENT LETTERS TWICE NOW TO REMOVE THESE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. I PUT FRAUD ALERTS ON MY ACCOUNTAND AM TRYING TO BUY A HOUSE NEXT YEAR. THEY REFUSE TO INVESTIGATE. THEY HAVE NOT SENT ME ANY INFORMATION AND I SENT A LETTER ON XX/XX/XXXX AND THAN AGAIN ON XX/XX/XXXX BOTH NOTARIZED AND CERTIFIED. I ALSO SENT LETTERS TO CREDIT AGENCIES ABOUT THE INQUIRIES AND THEY HAVENT RESPONDED EITHER. I WANT THESE INQUIRIES REMOVED IMMEDIATLY
Consumer complaint received 2022-06-01
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. (DC)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), XXXX XXXXXXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-06-01
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-06-01
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. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

EXPERIAN Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} XXXX XXXX : XXXX XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} EQUIFAX XXXX : XXXX XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} XXXX XXXX : XXXX XX/XX/XXXX
Consumer complaint received 2022-12-18
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. (WA)

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 acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX VIOLATED MY PRIVACY ...... 

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

15 U.S.C. Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to all the bureaus to address inaccurate and fraud accounts and inquiries that are reporting and that do not belong to me. PER 15 1681B I DID NOT AUTHORIZE you all to furnish this information. Let alone furnish FALSE AND FRAUD INFORMATION. THESE NEED TO BE REMOVED ASAP.
Consumer complaint received 2022-06-01
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. (DC)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), XXXX XXXX XXXXXXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} )XXXX XXXX XXXX ( Open Date XX/XX/XXXX, XXXX XXXX {$1000.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXXXXXX ( Account XXXX XXXX, Open Date XX/XX/XXXX, High Balance {$6800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

I lost my job due to Covid in late XXXX and I filed for a hardship through BBVA bank it holds my home equity line which Ive had for five years no one ever told me that it would put put a block on my account so a year later after I started working as self-employed PNC Bank took over for Bbva and as I Attempted to withdraw money to make XXXX on my residence I was told that I was blocked I went to the manager of PNC Bank in XXXX Arizona spoke to XXXX from customer relationships at PNC Bank and XXXX from executive customer relations and no one can tell me why the block was from my account they are assuming its because of the hardship but due to a national pandemic I shouldnt be penalized and take my home-equity line away from me when I need it the most I am not upside down in my mortgage if anything Ive quadrupled my value of my residence and only owe XXXX and its appraised for XXXX. PNC bank has told me to reapply for my home equity line of credit and I need 12 months of self-employment I just became self-employed five months ago I just think its so unfair that I was not told that it would block my home equity line of credit when I took a hardship for the national pandemic. Its amazing that banks can put a block on your loan and not even tell you what the reasons were and I thought it being a national pandemic it wouldnt affect anybody. I would appreciate some help please thank you
Consumer complaint received 2022-06-01
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-24
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. (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.

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My loan was sold to XXXX XXXX last year, and I have had nothing but XXXX dealing with them. I pay online monthly through XXXX XXXX, and they constantly don't get it and are calling me that the payment hasn't been made. I verify with XXXX XXXX and it in fact has been made. When I call XXXX back I am on hold for about an hour each time. The person who answers says they can't help me and that someone will email me or call me, and no one ever does. I have had 2 different payments show up as delinquent because of this and it is effecting my credit history. I called again today for the same issue, and put my number in the automated system for a call back. No one ever called back, so I am on the phone again and it's already been 30 minutes. 

I also submitted a request for new appraisal with a check as directed by XXXX XXXX. It was received and applied to my loan. I called to complain it was changed with the promise of new appraisal to come. I never received a new appraisal, and I finally asked for a refund and it has not been refunded. 

My loan number is XXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Ample documents have been provided to you, eastern account systems, all of which have provied there was never a debt owed and XXXX radiological was to be responsible for any balance. This information has been provided to you, eastern collections via certified mail. Yet you have continued to ignore it and willfully and intentionally violated fcra causing me damages. 

I find it concerning that The balance line that you speak of in our last complaint ( which was specifically sent to me AFTER I disputed this erroneous debt by your company, eastern account systems ) was noted and reflected as zero. This information was also provided to the Texas attorney general as well as CFPB. My current credit report lists this as a paid debt and not a removed debt as you claim. ( Your third fcra violation by the way ) You were provided the information to dispute the debt via certified mail and placed it for collections regardless another of your many fcra violations. At this point I am seeking legal counsel and you can consider this my intent to sue. Do not contact me again regarding this manor.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, TransUnion, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as XXXX 

Remove this account from my consumer report now!!!
Consumer complaint received 2018-10-01
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. (FL)

I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.
Consumer complaint received 2022-06-01
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-01
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. (MN)

I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in experiam or XXXX, it only appears in XXXX, according to experian and XXXX I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX Greetings, I presented a police report to all 3 credit bureaus in XXXX stating that I was a victim of identity theft. Looking over my credit reports in that year I noticed so many errors and inaccuracies on my reports that it astonished me. I contacted all 3 bureaus and the debt collection companies directly to dispute all inaccuracies. Many of the companies stated that they did not have me in their systems and to dispute the debt with the credit bureaus. I did dispute the accounts and they still appear on my credit report and are inaccurate and some are not my debt. I have inquiries I never authorized as well as names that are not mine. Addresses I have never lived. XXXX in fact notified me of a data security breach in XXXX and that my identity had been compromised as well. I have disputed on all 3 credit reports personal information that is not my identity. XXXX responded in XXXX of XXXX to my dispute and sent back the dispute with the same information that I disputed which had me pretty upset that they would not honor a police report my identification as well an affidavit of facts. I did security freezes with XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX Navient has reported and XXXX has reported inaccurate debt in large amounts of various accounts. owing {$30000.00}, {$7000.00}, {$1400.00}, {$1800.00} and {$9300.00} XXXX  I do not even know who this company is. Navient and XXXX indicated they have no record of me in their system and could not tell me anything. XXXX has an inaccurate amount of debt on the credit reports. XXXX XXXX XXXX XXXX XXXX has expired. They indicated to dispute the account. XXXX XXXX is a collection agency I never heard of. I never opened up a XXXX XXXX  bank account and do not have nor had a credit card of such in my possession. I will be sending out letters to all bureaus and agencies to resolve these matters. My financial peace of mind has been broken and i will not rest until I get to the bottom of why nothing is being done to resolve these matters. If you need any further documents please let me know. 

Thank you,