davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I am natural living person, consumer ; I am submitting this complaint myself. There is no third party involved in this complaint. Experian has violated me numerous times under the Fair Credit Reporting act.

Pursuant to 15 USC 1681 a ( 1 ), EXPERIAN is impairing me because the banking system needs me. EXPERIAN reporting inaccurate and unfair reports under my name does injustice to me because the banking system needs me. This needs to be fixed in order for me to continue doing business with EXPERIAN.

Pursuant to 15 USC 1681 a ( 3 ), EXPERIAN has assumed the position in assembling consumer credit. You assumed this role, no government gave it to you. This role that you assumed has negatively impacted my life, you put a freeze on my consumer reports resulting in a halt of me NOT receiving credit cards that I qualify for. Experian is not a bureau and took on the role as one, all while violating my privacy which is a violation. You have caused me so much XXXX, severe hardship, and XXXX. 

Pursuant to 15 USC 1681 a ( 4 ), EXPERIAN has failed to uphold their grave responsibilities of reporting accurate and fair Information about me on their website. There are multiple names on my account, that are not me. Also their are multiple addresses on my account that do not belong to me. 

Experian took it upon themselves to freeze my account without my written or oral consent, resulting in the me not receiving a credit card from XXXX XXXXXXXX. I have been unable to get a credit card, which will be for the use of personal, and house hold purposes. You have impeded this for me, which is unacceptable and inexcusable. 

You also infringed upon my right to privacy by having a conversation with a third party, and reported the information as a result from that third party. I am demanding that all information regarding ALL accounts being reported, to report as " paid on time/paid ''. I am demanding that all inquiries past, present, and future be removed immediately from my report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX I, XXXX XXXX asked the three credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

Hello, On XX/XX/2022 I spent 5 hours trying to resolve an issue regarding a fraudulent payment. Serve is aware that Im being charged for a good I didnt receive and refuse to release my funds. These funds arent pending, theyre on hold.
Consumer complaint received 2023-05-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NV)

I received a notification that I was included in a Class action Lawsuit and I could expect relief from any future payments to this institution ( Navient student loan providers ). 
This was to take effect in XXXX. 
Navient continues to demand payment, of which I had agreed to making minimum payments of {$75.00} per month. 
I inquired as to why my student loan is still being collected on after receiving notification stating that it would be dismissed and should expect repayment for a portion of the payments I have made in the past and was told my loan was from a private institution and doesn't qualify. 
I don't understand, after receiving notifications that I qualified, that Navient could state that I don't. 
I would appreciate a clarification as to why I don't. 
I meet all the criteria as outlined in the description of the lawsuit. What am I missing?
Consumer complaint received 2022-11-13
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. (FL)

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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX us dept. of ED/XXXX # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

The account was open for a home address and was charged an additional charges by mistake of XXXX. This caused a high an inaccurate bill every month. There were attempt made in XXXX to get the account credited and corrected. I was told a supervisor was going to handle this account. Two months later in late XXXX of XXXX the account was charged off and reported to the credit agency 's. I have sense paid the balances on the account to XXXX XXXX for XXXX. The account was promised to be removed from the credit report completely as part of the agreement to pay. But as of XX/XX/XXXX The account still shows as delinquent collected. Please remove the account from my credit report. The reporting in incorrect, negative, false and inaccurate.
Consumer complaint received 2022-11-13
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. (FL)

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 use 1681. 

XXXX XXXX XXXX XXXX  # XXXX us dept. of EDXXXX # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-23
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. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXXXXXX XXXX XXXX Bank ) - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX -XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXXXXXX AUTO XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) - XX/XX/XXXX -XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX. ( Finance ) - XX/XX/XXXX -XXXX ( Bank ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance ) - XX/XX/XXXX XXXX BANK ( Bank ) - XX/XX/XXXX & XX/XX/XXXX 2021
Consumer complaint received 2020-01-15
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. (AZ)

XXXX XXXX and on XXXX XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report XXXX XXXX XXXX pull my credit Four Times give me more Inquires so on XXXX saying iam Delinquent and XXXX XXXX XXXX Experian XXXX ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto XXXX, to get our payment in ... XXXX XXXX put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
XXXXIam unemployed from XXXX in XXXX XXXX Utah XXXX my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX and on XXXX XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report XXXX XXXX XXXX pull my credit Four Times give me more Inquires so on XXXX saying iam Delinquent and Trans Union , XXXX  , ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto XXXX, to get our payment in ... XXXX XXXX put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
.Iam XXXX from XXXX in XXXX XXXX Utah XXXX.Me my wife fell down got hurt.She fellXX/XX/XXXX i XX/XX/XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.
Consumer complaint received 2022-11-13
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-13
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 XXXX XXXX, Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX  Account Number # XXXXXXXX XXXX XXXX  Account Number # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I am enrolled in auto debit on an income-based plan. My monthly payment should be automatically paid. I enrolled in classes. Despite asking them NOT to put my loans in deferment, they did anyway. Then, when I asked them to take them out of deferment, they gave me the option to do so in a way that would lead me to be overdue on payments or not overdue on payments. ( immediately or shorten ) I chose the later option. But, they instead ended the deferment immediately, and then reported my account as overdue and capitalized the interest due. 

They've sort of fixed it by taking the account to the present, but the interest has still be capitalized and I have still missed a payment in their records. And, they made me agree to a forbearance, which means that I agree to the capitalization of interest. But, this was the only way to avoid being marked as paying late.
Consumer complaint received 2023-02-23
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. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, Oregon XXXX has reported a hard inquiry on my credit report. I do not know this company and have not applied for or have never done business with this company. This company does not have an application with my signature.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I have had a XXXX credit card with comenity bank for over XXXX  years. I misplaced the card during a move to a new home that was then renovated for a year during Covid. I did not use the card during that time frame. I logged into the account on XX/XX/XXXX and reviewed my available balance which was {$1400.00} with no issues Account ending in XXXX. I attempted to request a new card through the online secure message system and I was informed my account was closed on XX/XX/XXXX and told to reapply for another. Not only that the day after on XX/XX/XXXX I attempted to login to my account only to discover an error message detailing that the login information I input was invalid as if the account no longer existed. I contacted customer service via phone XXXX  times and the automated system hung up on me each time after verifying the last four digits of my social. I suspect foul play. 

This is outrageous and unethical for a number of reasons. I regularly used the card and paid for my balance in full. I have never been late, or missed a payment, I generally kept a {$0.00} balance on the card after using it. I provided good business to comenity bank in good faith for years, for comenity to engage in a business practice that would negatively impact my ability to qualify for new credit and retain credit at reasonable rates is bad business. All of the good previous history I have on this credit card has been negated! I now also have no access to previous records. And reapplying would be another hard inquiry on my credit which would consequently negatively impact my XXXX XXXX. I would like to speak with someone about reopening my account.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I began receiving calls from a number that I did not recognize ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). When I XXXX  the number it said XXXX XXXXXXXX XXXX, so apparently the real number was being spoofed. Since the recorded message commenced before the voicemail started recording, I just called the number back on XXXX  to see who it was. The lady said she was from XXXX XXXX XXXX and was calling about a previous credit card ( HSBC, opened XX/XX/XXXX ). They supposedly sent verification to my home with a settlement offer and stated I never responded. They did not. ( I have USPS Informed delivery and it shows all my mail ). She said the account went delinquent in XXXX and they are contacting me for payment before filing with my current county. While I do not recall ever having this card, I was still surprised of collection activity on an account where the statute of limitations has long passed. Credit agreement debt in Louisiana is 3 years and some courts find it is a violation of the FDCPA for a collection agent to pursue a debt collection lawsuit against a consumer after the statute of limitation expired ( Kimber v. Federal Financial Corp. 668 F.Supp. 1480 ( XXXX ) ). 

The agent proceeded to send me a text with the attached document of the debt. It does not include the dates, so I will reference what was told verbally is that the account was opened in XX/XX/XXXX and went delinquent at some point in XXXX.
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Dowler Law Firm, PLLC (AR)

XXXX XXXX XXXX ( XXXX ) The Dowler Law Firm XXXX XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX Supposedly Representing the Board Of Trustees for the University of XXXX d/b/a University of XXXX for Medical Sciences. 

I paid the bill for {$130.00} on XX/XX/2019. I called the University of XXXX and told them the bill had been paid. The University said there would be no court date since the bill was paid. The XXXX proceeded with a judgement against me and illegally put a garnishment on my paycheck although I had paid the bill months before. The garnishment was placed on my paycheck indicating that I had been on strike with the XXXX XXXX School District and I did not strike. The withdrawal was held up until that paycheck was disbursed. Deducting amounts from my paycheck and illegally making it look like I did not pay the bill. I paid the bill and he sued for his fees. XXXX XXXX XXXX did not give me time to pay him his attorney 's fees and he carried out an illegal process with the help of the District Court of XXXX, Arkansas. The withdraw from my check, public humiliation to me with my employer garnishment was not needed when I had already paid the bill. He meaning XXXX XXXX XXXX carried out a defemation of character with my employer about me. Harrassment comes in different forms ad unfortunately this was one form. The law firm needs to be in trouble and the process of University of XXXX Medical Sciences. This was deliberate in nature to lower my credit score. Personal Vendeta.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (GA)

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX