davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I am writing to bring to the CFPB 's attention of NAVIENT 's non-compliance with the law. I am writing about loan number XXXX. In 2013, I checked my credit report and I saw a fraudulent account XXXX XXXX on my credit report. I NEVER opened a student loan account with them nor sign any documents. I did an investigation and found out that " XXXX XXXX XXXX '' fraudulent included me as a co-signer in the loan without my authorization. I filed a police report with the XXXX Police Department because I lived in XXXX at that time. In the police report and affidavit, I stated that the student loan account was opened without my permission, and that my signature was forged, and I never " co-sign '' for any student loan. I forwarded it to the XXXX XXXX fraud department, and they never took care of it. It still shows up on my credit report. I told XXXX XXXX to remove my name and failed to remove it and holds the law in contempt. Please investigate this illegal matter and hold XXXX XXXX ( now NAVIENT ) accountable.
Consumer complaint received 2022-08-31
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-17
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)

I requested verification of inaccurate information on an account listed by the credit consumer reporting agencies on multiple occasions from both the data furnisher and the credit reportion agency for XXXX account number XXXX. I also disputed this account directly with the data furnisher and as per XXXX they have no record of this account on file yet they continue to report a derogatory account in my name. I am enclosing the notice XXXX sent me as a reply to my inquiry. Which states they have no knowledge of this account and the letters sent to the reporting agencies I sent last to the Experian and XXXX which are continuing to violate my right to accurate reporting. Both agencies are reporting different dates of last activity. The are showing a balance for on the account that was allegedly written off as a bad debt. They are reporting different dates of being last reported. How can any of this be accurate if none of the parties involved XXXX, Experian, or XXXX are showing any of the same information.
Consumer complaint received 2022-08-31
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: Opportunity Financial, LLC (MS)

On XX/XX/XXXX I mailed to Opp Loans in order to resolve an issue with an inaccurate account that was being reported on my credit report. They received my request by certified mail on XX/XX/XXXX and has yet to reply to my request. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 rate relating to a consumer to any consumer reporting agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate According to the IRS the Lender must file form 1099-C and send a send you a copy if the amount of the debt canceled is {$600.00} or more and the lender is a financial institution, credit Union , federal government agency or other agency entity at discussed earlier in XXXX XXXX. 
The IRS clearly defines a charge off, canceled debt as gross or ordinary income income does not get reported on a consumer report as this is my person information. 
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 
On XX/XX/XXXX the account was written off and charged off and I never received a copy of the XXXX. 
This situation has been embarrassing and hamulating as you try to improve your lively hood and to have a company ignore you and violating your rights.
Consumer complaint received 2022-02-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I don't owe anything to the following accounts : XXXX XXXX and XXXX XXXX XXXX. They should have confirmed these from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the accounts automatically.
Consumer complaint received 2022-08-31
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. (NC)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

XX/XX/2019 I have attempted for a week to put a security freeze on my Equifax credit reporting agency. I was able to put freezes on my credit reports easily by phone with XXXX  and XXXX. 
However, I have tried five times to call, and then attempted online but ran into numerous obstacles -- -it would not allow me to reset my password. I gave all my information on the phone and then it stated it could not resolve my request for a freeze on my credit report. 

This was after numerous emails back and forth to get a verificaton code, attempt to reset password. I attempted twice to put the security freeze on using telephone. 

I have now sent everything via mail and would like FTC to know so I can get my security freeze in a timely manner. this is ridiculous -- I want no more delays in this.
Consumer complaint received 2022-08-31
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)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have submitted numerous disputes to counteract information listed on my credit report for all three credit bureaus XXXX, XXXX, and XXXX. It has been for my Bank of America credit card account which I closed with the company and had a remaining balance that I continued paying until XX/XX/XXXX when it was successfully paid off. My payment history for this company was stellar up until a late payment I had in XX/XX/XXXX. I was almost complete with paying off the account in XX/XX/XXXX but I couldnt make a payment because I did experience financial hardship after a recent XXXX XXXXt. I contacted the bank of america institute where a representative told me if I paid the account off in full before my XX/XX/XXXX payment was due I would be able to get a credt adjustment and my XX/XX/XXXX wouldnt display as late on my credit report. The company has not honored that request. They have munipulated my account information by reporting false information over and over again when I dispute the account. Attached I have my payment history for the SAME account for Bank of America. This is the information they have reported for all three bureaus. I am tired of trying to get them to honor their agreement and they have failed and been detrimental to my credit report. They also have the first deliquency for my account as XX/XX/XXXX and not XX/XX/XXXX for XXXX. I have been disputing this information for two months and I need a resolution.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (GA)

On XX/XX/XXXX, I received a phone call from this company advising they were attempting to collect a debt. In order to proceed with the call, they asked me to verify my name and the last four digits of my SSN. I told them that I did not feel comfortable sharing such sensitive information unless they told me what debt they were calling about. At that time, the representative advised that she would have to terminate the call unless I verified my information. The call was eventually ended because their office refused to provide the requested information. After the initial call, I placed several calls to their office but no one would tell me what debt they were attempting to collect. In the middle of XXXX, I received a credit alert advising that a collections account had been added to my credit reports. 

In this instance, this company violated my FDCPA rights by failing to provide a validation notice within 5 days of our initial contact, and refusing to provide any information about the debt during initial communication. Therefore, I was not afforded an opportunity to properly verify, dispute or resolve the debt before it was added to my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

Bread financial consistently and repeatedly called multiple times per day for each day the payment was overdue. Collector would call 5+ times per day and would call back-to-back. Creditor would also call on weekends. Additionally, the collector never sent a written notice. Pictures attached show recent 48 hour call log. Additional records are available after billing cycle process if requested.
Consumer complaint received 2022-08-31
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. (PA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-31
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. (WI)

Certified mail was sent in XX/XX/2022 to all three credit bureaus disputing inaccuracies and incomplete information on my credit profile. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) if the FCRA- all information that is inaccurate, incomplete, unverified should he promptly deleted. These changes have not been reflected on my credit profile.

It is also my understanding that Under the FCRA 15 U.S.C 1681- every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect and or unverified of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted.
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Equifax dropped my score 138 points due to 1 hard inquiry and {$670.00} added to one of my credit cards. I have excellent credit and the others only lowered my credit by 2 points! Equifax dropped my score from XXXX to XXXX! This is absolutely ridiculous and the hard inquiry was to buy a home! I have tried to file a dispute on their website and they throw me offline. I have called twice and they wouldn't acknowledge the score but kept telling me about 1 hard inquiry! I couldn't get anywhere with them nor would they let me file a complaint! Both other scoring models only dropped 2 points! Totally unfair and shouldn't be allowed to handle people 's credit scores! 18 years and 100 percent payments on time!! Equifax should be put out of business!!! Thank you, XXXX XXXX
Consumer complaint received 2022-08-31
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. (WI)

Certified mail was sent in XX/XX/2022 to all three credit bureaus disputing inaccuracies and incomplete information on my credit profile. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) if the FCRA- all information that is inaccurate, incomplete, unverified should he promptly deleted. These changes have not been reflected on my credit profile.

It is also my understanding that Under the FCRA 15 U.S.C 1681- every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect and or unverified of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted.
Consumer complaint received 2022-08-31
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: LEXISNEXIS (PA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-02-24
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. (CA)

Hi I am submitting this XXXX XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 n 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE