davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to my recent review of the credit report provided by your agency, there are items that I believe are incorrect and require immediate attention. I kindly request that you investigate and rectify these errors as per my rights under the Fair Credit Reporting Act.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I have a private loan serviced through Navient with an exorbitant interest fee ( nearly 10 % ). I have been paying the loan on time for over a year. The online portal is telling me that I am eligible for an interest rate deduction of 2 % since I have been making payments on-time ( SMART reward benefit ). It has been over a month since I became eligible for this reward and it still has not been applied to my account. I have emailed Navient and called Navient customer service over 3 times. Each time I am told a different story and that they need to " research '' if I am actually eligible for this reward. If my online account tells me I am eligible I do n't understand the disconnect/run-around of determining my actual eligibility. I would like a clear cut answer as to why these rewards are n't applied as soon as the borrower becomes eligible. It seems to me Navient is benefiting financially by postponing the application of this interest rate deduction at the expense of the borrower. This seems to be inappropriate loan servicing conduct and I would like this to be investigated.
Consumer complaint received 2023-04-02
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. (MI)

In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX XXXX open : XX/XX/XXXX, XXXX  XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX openXXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-19
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. (MS)

XXXX XXXX bankruptcy is reporting on my credit file with inaccurate data. First, I sent a certified letter to the bankruptcy court in XX/XX/XXXX. I wanted to know how the information was verified. The courts responded on their letterhead ; they do not verify nor report information to the credit bureaus. From there, a certified dispute letter was sent XX/XX/XXXX to XXXX. Per the letter I received from XXXX in XX/XX/XXXX the bankruptcy was removed. 

In XX/XX/XXXX certified dispute letters were sent to XXXX, TransUnion and XXXX. The two letters mention above I sent as well. The disputes came back as verified which is false. I contacted the credit bureaus via phone and all three stated they verified with the courts and XXXX. This is proof that the credit bureaus did not look at the letters nor did the proper investigation. 

If any additonal information is needed please let me know
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-09
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)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : CXX/XX/XXXX XXXX -- -> : {$320.00} XX/XX/XXXXV : XXXX -- -> : {$330.00XX/XX/XXXXXXXX : XXXX -- XXXX : {$3700.00} IXX/XX/XXXXR : XXXX -- > {$12000.00}
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX ( XXXX XXXX XXXXs ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. 
according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. 

I never authorized XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED
Consumer complaint received 2016-03-25
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX/XXXX/16 about XXXX XXXX I went into Bank of America on XXXX XXXX XXXX XXXX XXXX, MD, XXXX to use the ATM machine and there were people ahead of me trying to use the ATM. A BOA employee of that branch walked pass us and walked into the banking area without speaking. After 20 minutes of waiting in line I was next to use the machine only to find out it was not working. I then began to knock on the main door of the bank to let the employees know inside the bank ( bank tellers were preparing for their day ) the ATM was not working and ignored me. I began to knock again and they all looked at me and turned their backs. The manager of the bank- a XXXX man came over to and started yelling at me through the glass door stating " we do n't maintain the ATM machines ''. '' I am only in charge of the inside of the bank ''. He was so nasty, rude and vile for no reason. He also began using hand gestures telling to leave and go to another BOA further up the street. 
I have been with this bank since I was XXXX years old and to be treated like this after all these years. There is no customer service or hospitality Just rude and nasty people. Good customer service starts with upper management and if he does not have any I doubt other workers will. They were just as bad and disrespectful as he was. 
A simple out of order sign would have solved the problem of multiple customers trying to use the ATM and figuring out it was not working. I got to work late because of this. 
I would recommend BOA to better train their employees on how to provide excellent customer service or hire new workers who actually want to work there.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: C/C Financial (LA)

In accordance with the Fair Credit Reporting Act Preferred Lease 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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX  ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A.

according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX never had any instructions from me.

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report.

I never authorized XXXX to make such reports.

15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED
Consumer complaint received 2022-04-09
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-07-22
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: Illinois Collection Service, Inc. (IL)

On XX/XX/2022 ICS Collection Service/XXXX XXXX was mailed a certified letter requesting that account # XXXX be validated under the FDCPA, that I, XXXX XXXX XXXX had a contractual obligation to this debt that is being reported to XXXX. 

Several pieces of documentation were requested in the certified letter to validify the debt in question including : a detailed bill ( not codes ), a signed HIPAA waiver, or privacy notice, original contract, along with other information that may have been helpful for me, in validating this debt as mine ( in accordance with the FCRA, section 611A through D, section 609 ( a ) ( 1 ) ( A ). 

To date, ICS Collection ServiceXXXX XXXX has not responded to my request for validation with any of the aforementioned documents. ICS Collection ServiceXXXX XXXX has failed to respond to my request all together. ICS Collection ServiceXXXX XXXX is in violation of the FCRA sections 609 and 611, and are violating my rights as a consumer. 

I am requesting that these debts be deleted from my credit report as XXXX has failed to prove, or validate that this debt belongs to me.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD SERVICE - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (AZ)

I have submitted several disputes with all bureaus in regards to the inquiries made on my reports along with the addresses that appear on my reports. They are not mine nor did I authorize them and I need them removed since they are causing a lot of problems with my creditors that I have been with for years. This is also not allowing me to qualify for a home that I have been trying to get for over a year. 
My identity has been stolen several times by hackers, thieves and the selling of my information to other parties. 
I live in a state where my name and last name are so common. when people report other peoples info to the bureaus I get a lot of their information. Ranging from family members to parking tickets. I have had my fair share of days in court to try and fix a lot of this but I have done my part. I have frozen my info and I still get all this trash!!!! 
Please help me with this night mare. I have sent the documentation needed to have all bureaus correct all the misinformation reported on my credit files. 
I need to see actual signed documents to verify my signature and that I was the actual person making the inquiries or opening accounts. 
Thank you for your time and assistance.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (AZ)

I have submitted several disputes with all bureaus in regards to the inquiries made on my reports along with the addresses that appear on my reports. They are not mine nor did I authorize them and I need them removed since they are causing a lot of problems with my creditors that I have been with for years. This is also not allowing me to qualify for a home that I have been trying to get for over a year. 
My identity has been stolen several times by hackers, thieves and the selling of my information to other parties. 
I live in a state where my name and last name are so common. when people report other peoples info to the bureaus I get a lot of their information. Ranging from family members to parking tickets. I have had my fair share of days in court to try and fix a lot of this but I have done my part. I have frozen my info and I still get all this trash!!!! 
Please help me with this night mare. I have sent the documentation needed to have all bureaus correct all the misinformation reported on my credit files. 
I need to see actual signed documents to verify my signature and that I was the actual person making the inquiries or opening accounts. 
Thank you for your time and assistance.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Today ( XXXX XXXX ) I just got a so-called " response '' from " EquiFax '' for my previous complaint XXXX : XXXX. On XX/XX/XXXX, I had PREVIOUSLY " mailed back '' a " certified '' letter to " Equifax '' with a ( XXXX ) Photocopy of my valid XXXX Drivers License ( # : XXXX ), and ( XXXX ) with my recent Pay Stub ( with my SSN : XXXX ) on it, and ( XXXX ) with my latest XXXX XXXX XXXX monthly ) utility bill ( with my : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) on it, and a ( XXXX ) Photocopy of my U.S. Social Security card ( with my Date Of Birth of : XX/XX/XXXX also on it!!!! 
" XXXX '' mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX on XX/XX/XXXX. And " XXXX '' also mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX also on XX/XX/XXXX. ONLY " Equifax '' continues to violate my State of California and my Federal Credit Reporting " Due Process '' Rights for failing to mail me my " FREE '' credit report!
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Colony Brands, Inc. (AZ)

This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER REPORTS.
Consumer complaint received 2023-10-02
Product: Credit reporting 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 writing to formally dispute several fraudulent accounts on my credit report. Despite my previous attempts to address this issue, these accounts remain on my report, and I believe this to be a violation of my rights under several federal credit laws, including : Fair Credit Reporting Act ( FCRA ) : I have the right under FCRA to dispute inaccurate or fraudulent information on my credit report, and TransUnion has a duty to conduct a reasonable investigation. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA ensures that consumers have the right to dispute fraudulent accounts and requires credit reporting agencies to correct or remove inaccurate information.

Identity Theft Assumption and Deterrence Act : I have reported these accounts as fraudulent and have taken steps to address identity theft, which is protected under this act. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : I have communicated my concerns to TransUnion, and I expect that these matters are resolved in compliance with CFPB regulations. 

The fraudulent accounts I am disputing are as follows : 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 I have previously provided documentation and information supporting the fraudulent nature of these accounts, including a police report for identity theft. However, these accounts have not been adequately investigated or verified. 

I request that TransUnion : Conduct a thorough and comprehensive investigation into these fraudulent accounts. 

Verify the accuracy of these accounts and, if unable to do so, remove them from my credit report immediately. 

Provide me with written confirmation of the results of your investigation. 

I have enclosed copies of documents related to my identity theft report, previous correspondence with TransUnion, and any other evidence that supports my dispute. 

I expect this matter to be resolved promptly, as the continued presence of these fraudulent accounts on my credit report is causing significant harm to my financial well-being.