davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CT)

We took out a student loan at 7 % interest for XXXX. The amount to be paid back was XXXX. We have not missed a payment and have paid Navient {$26000.00}. and they are claiming that we still owe them over {$33000.00}. We agreed to pay them back the extra {$4000.00} of interest. They are charging us {$24000.00}. on a {$35000.00} loan!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-22
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: Santander Consumer USA Holdings Inc. (FL)

good afternoon dear agency : I suffered a fraud when I took a taxi I forgot my wallet inside and someone stole my cards and they used them to do various things because they bought a lot of things in my name I called the stores to cancel they didn't cancel instead I got a lot of calls from companies every day they are calling me asking me to pay the bills and it was not me who bought them please i want you to delete all these fraudulent accounts that are on my credit please
Consumer complaint received 2022-04-22
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. (CA)

THIS IS A DIRECT RESULT OF IDENTITY THEFT. I HAVE TAKEN THE PROPER STEPS AS REQUIRED BY THE FEDERAL TRADE COMMISSION AND COMPLETED A SWORN AFFIDAVIT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Consumer complaint received 2022-04-22
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. (CA)

THIS IS A DIRECT RESULT OF IDENTITY THEFT. I HAVE TAKEN THE PROPER STEPS AS REQUIRED BY THE FEDERAL TRADE COMMISSION AND COMPLETED A SWORN AFFIDAVIT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-22
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: I.C. System, Inc. (MI)

I C SYSTEM is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OZK (NC)

I opened a money market acct on XXXX in the AMT of $ XXXX at a 3 month special rate of .65 %. 
On or about XX/XX/XXXX, XXXX XXXX told me that my special rate had been extended fo 30 days. I met with XXXX on XX/XX/XXXX and XXXX. XXXX stated that OZK would not extend the special rate for an additional 30 days. On XX/XX/XXXX, I closed the account. Only XXXX was credited to my account for the period of XX/XX/XXXX thru XX/XX/XXXX. Upon closing the account, XXXX assured me the interest shortfall would be credited to my regular checking account before the end of the day on XX/XX/2022. It was not and has not been credited to my account as of today, XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Get those unauthorized accounts off my credit report now! Other bureaus fixed it, so can you. Stop messing with my credit delete those accounts immediately, or face legal action. I won't tolerate your delay in fixing this act now! XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. Please DELETE.
Consumer complaint received 2022-04-22
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX  ) ( XXXX ). ( XXXX  ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX My only name is XXXX XXXX XXXX. 

My ONLY ADDRESS IS CURRENTLY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX My social ends in XXXX My only phone # is XXXX I have been reporting to the credit bureau with IDs to verify my information, they are still continuing to keep all old, outdated, or incorrect personal information on my reports preventing me from verifying my identity with other places or applying probably. 

XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX ExperianDispute Department XXXX XXXX XXXX, TX XXXX XXXX XXXX survive : XXXX XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Current and only phone number : XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete these outdated addresses and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers below, they are not my number and do not have any connection to me. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
I demand a deletion of all personal identifiable information from my consumer report with the exception I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ). am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15,116 USC 1681 and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-04-22
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I recently looked over my credit report on XX/XX/2024. Doing so, I found a collection from UNITED REVENUE in the amount of {$1400.00}. I have not any notification of this debt. Can you please send me verification of this debt?
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
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. (MI)

TRANSUNION is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Consumer complaint received 2022-04-22
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)

My credit report from Experian shows a credit inquiry for a new checking/savings account from XXXX XXXX XXXX XXXX dated XX/XX/2022, however I have zero knowledge of this account nor did I initiate a credit inquiry for this account, the bank is located in Utah and we live in Florida.
Consumer complaint received 2022-04-22
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. (GA)

I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX XXXX XXXXXXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2022-04-22
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. (GA)

I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX  XXXX XXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (TN)

In XX/XX/2018, I had an open agreement with XXXX XXXX where I was currently paying off a bill in doing so they would not report to my credit. They reported to my credit anyway. I filed a complaint against XXXX XXXX, they agreed to remove from my credit report. They did however sell to another Collection agency in XX/XX/2018. The new collection agency did not contact me regarding this collection and placed it on my credit report in XX/XX/2018.
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MA)

I RECEIVED A COURT DOCUMENT ON XX/XX/2016 STATING I HAVE A MAGISTRATE HEARING ON XX/XX/XXXX AT XXXX COURT. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX AT EXT XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.
Consumer complaint received 2022-04-22
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. (MD)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 an account without my written instructions
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IL)

Car was totaled in an accident and went to get pre approval for new loan. Found out about this debt after trying to get new loan last week. Closed on a house a month ago and no debt was in collections or that would have come up in my history. Not sure where this debt came from.