davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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. (PA)

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. 

Account Name : XXXX XXXX Ref # XXXX XX/XX/2022 XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Account Name : XXXX XXXX Ref # XXXX Account Name : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Has violated my rights 15 USC 1681 section 602 A . States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2018-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been continuously been disputing a Bankruptcy that's on my Transunion that does not belong furthermore, I have contacted the Executive Office of XXXX XXXX because Transunion is rude and doesn't follow thru with my Investigation. I have disputed it and it doesn't belong and they still haven't removed it stating it was Verified. I asked for method of Verification and they have failed to provide me. If it was Verified from who? When? I doubt it was verified because it was already deleted off my Public Record from XXXX ( See Attached ). Further, effective XX/XX/2017 a Public Record has to includes my name, Date of Birth, and Full Social Security number thru XXXX in which it does not. I have already sent a Email to CEO and contacted my Lawyer who states Transunion is not in compliance and have violated plenty rights as a Consumer and this is my last step before I follow a Federal Lawsuit against Transunion and XXXX XXXX. Please remove Bankruptcy within 30 Days to avoid Legal Action
Consumer complaint received 2022-10-14
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. (PA)

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. 

Account Name : XXXX XXXX- Ref # XXXX XX/XX/2022 XXXX Account Name : XXXXXXXX XXXX -Ref # XXXX XXXX Account Name : XXXX XXXX Ref # XXXX Account Name : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Has violated my rights 15 USC 1681 section 602 A . States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information for all XXXX bureaus. I know Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. as well as conduct a proper investigation. I have higlighted the information that is wrong for XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (NC)

First and foremost, I am a federally protected consumer. This company has repeatedly called me ( I have proof ) and sent me a letter in the mail. Not once did I disclose my personal information nor my abode to this company so this company has violated my privacy. This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is in violation pursuant to 15 usc 1692b ( 2 ). This is a violation of my consumer rights under the FDCPA. This company has called me 4 times between XXXX and has sent a letter. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 5. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (PA)

I have attempted to fix my problems with my loan servicing provider and also contacting fed loan. My problem is that I have no answer on getting my loans transferred to fed loan for starting to be part of XXXX. I applied In XX/XX/2021 and it is 3 months later with no response.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. ()

Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from AFNIINC on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in XXXX XXXX XXXX since XXXX ( proof attached ), please delete it from my report
Consumer complaint received 2018-05-01
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 reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : XX/XX/XXXX
Consumer complaint received 2022-06-16
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX XXXX XXXX/Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Account number : XXXX XXXX XXXX number : XXXX XXXX XXXX  XXXX number : XXXX, has violated my rights XXXX 

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
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I MADE A COMPLAINT BY MISTAKE, XXXX, WAS A GOOD TRANSACTION I MADE ON XX/XX/22, I MADE THIS COMPLAINT BY MISTAKE, PLEASE CANCEL COMPLAINT, THANK YOU XXXX XXXX
Consumer complaint received 2022-08-26
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF ED/XXXX XXXXXXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

I was a victim of Identity Theft and notified the debt collector of this and the only debt verification they sent back to me was a BILL. As the law states this is NOT significant proof of debt validation further more I have never received such bill and the name on the bill is incorrect.
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: MOHELA (CA)

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXXXXXX XXXX XXXXXXXX with major in film and video production. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (OH)

I just had this issue opened. XXXX removed from 1 credit report and now XXXX I was just alerted it was added to my Experian report. This Mortgage needs removed immediately from all credit reports and not to be added again
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

So my name is XXXX XXXX and my information was impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that Equifax have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.
Consumer complaint received 2022-08-26
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF ED/XXXX  XXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX/DOFED XXXXXXXXXXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00}
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In due of respect Experian, XXXX and XXXX I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in XXXX. A Natural Disaster of Covid19 Pandemic/ Disability Financial Hardship 2.XXXX XXXX  XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/Disability Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /Disability Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off. 

4.XXXX  XXXX Credit Card balance is Zero, 5.XXXX  XXXX XXXX  Credit Card Balance is Zero 6.XXXX XXXX Credit Card Balance is {$190.00} 7.XXXX  XXXX Balance is XXXX.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX Lifetime, XXXX  and a XXXX XXXX XXXX Military Veteran With Honor and Respect Always.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX, loan number XXXX, reported to Experian that my account was 30 days late in XX/XX/XXXX, this reporting is inaccurate. I was on a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXXXXXX wrongly returned my XX/XX/XXXX payment when funds were deposited, see attached deposit slip. As stated by a XXXX XXXX representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan, it was deferred, see XXXX  letter. However, when I found out XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment to XXXX XXXX, I called XXXX XXXX. On XXXX/XXXX/XXXX I was informed by XXXX XXXX they were not going to put my payment through again, I asked customer service representative, XXXX to take my payment for the returned XXXX payment. The payment made to XXXX XXXX on XX/XX/XXXX for {$1400.00} was for XXXX and XX/XX/XXXX, I added extra money to get my loan amount down, see attached. Please note on the XXXX XXXX response to my XXXX  complaint, XX/XX/XXXX XXXX XXXX stated that I paid XXXX payment on XX/XX/XXXX, when in fact I called in a payment to XXXX on that day for my XXXX payment that was returned. XXXX XXXX contracted themselves, they state in the XXXX response that XXXX payment was put to the back of the loan, which was correct then they assumed that my XX/XX/XXXX payment went for XXXX. Also, XXXX payment was deferred, see hardship agreement attached. XXXX XXXX is not to report me late in XXXX or XXXX, I am enclosing my Experian report where it shows the inaccuracy, XXXX  response from XXXX XXXX, XXXX XXXX XXXX payment history for the late in question, XX/XX/XXXX, XXXX XXXX own payment history of my loan, XXXX XXXX XXXX deposit slip, hardship agreement.
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NV)

On XX/XX/XXXX of 2021 I made my last payment to Mercedes Benz Financial. I returned the car on XX/XX/XXXX of 2021. But I still received a 30 day late payment from Mercedes Benz Financial. I contacted them about the matter to get the problem fixed through them. But I was told they couldn't do anything about it on there end.
Consumer complaint received 2020-07-27
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. (CA)

I pulled my credit to myself for the first time in 6 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

Lender : USAA-XXXX XXXX XXXX Monthly Payment : XXXX My mortgage lender has refused credit card payment on my monthly mortgage payment. XXXX XXXX  XXXX claims that I can't pay debt with debt even though I payed all my credit cards and bills every month and the only actual debt I have is my mortgage. I am filing a complaint on their refusal to take my credit card payment and forced me to use my bank account to make a payment. Banks can't denied a credit card payment from consumers, specially when my credit card allow me to make monthly mortgage payments.
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXXXXXX XXXX  XXXX with XXXX in XXXX XXXX XXXX XXXX. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and XXXX, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX XXXX XXXX and may have got into the hands of the wrong person.