davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
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. (FL)

I was XXXX XXXX on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take
Consumer complaint received 2022-08-18
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. (GA)

Experian has been contacted on several occasions regarding issues and incorrect information within my credit report. Letters are sent to the credit bureaus and the creditor. The creditors are still fixing issues that they have been notified are incorrect and are violating the FCRA section 623 ( A ) ( 1 ) ( a ) The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 
Experian continues to not go through a full 30 day investigation. They update the information that I ( the consumer ) inform them of and reject my request to remove the information all together on my credit report. This has become unacceptable. Recently, they refused to delete a fraudulent account from my report to the point the creditor had to take extra measures to have the information deleted. They lied and stated the creditor kept the information as valid but the creditor continued to ask Experian to remove the fraudulent trade lines. Experian doesn't allow 30 days of investigation, less time, plus they just keep verifying info through a computer based system and not thoroughly investigating. The creditors are able to keep updating info they blatantly know is incorrect but CRAs don't enforce them on. This is out of order and violates several FCRA laws and code of ethics. Consumers have the option in written disputes to ask for them to be corrected or deleted. If the creditor was notified then they must be Deleted because they can not be corrected. This issue needs to be addressed immediately.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

FOR 3 MONTHS I HAVE BEEN GOING THROUGH THIS MY ACCOUNT GOT CLOSED MY CAR INSURANCE CANCELLED AND THE BOA AGENTS THINK I AM LYING AND MY CHILD SUPPORT GOT BEHIND ALL BECAUSE OF ATM MALFUNCTION THAT BOA DO NOT WANT TO ADMIT ... I HAVE WROTE WRITTEN THIS 10 TIMES NEXT IM GETTING THE US TREASURY TO INVESTIGATE CFPB I TOOK SCREENSHOTS THE MORNING OF XX/XX/21 DATE THE ATM MALFUNCTION..I HAVE CIRCLED A WITHDRAWL THAT NEVER TOOK PLACE, INSTEAD IT WAS A DEPOSIT THAT TOOK PLACE..IF YOU LOOK AT THE AMOUNT WHICH SAYS I WITHDRAW {$100.00} IF I WITHDREW {$100.00} WHY DID IT ADD {$100.00} ... .AND IT NEVER SHOWS THE TRUE DEPOSIT OF {$370.00} ... ..I DIDNT HAVE ENOUGH MONEY IN THE ACCOUNT TO COVER A {$100.00} WITHDRAWL, IF I WOULD HAVE WITHDREW XXXX IT WOULD HAVE BEEN NEGATIVE ... .YET THE ATM ADDED {$100.00} ON A WITHDRAW WHY IT ADD {$100.00} ... THIS DONT EVEN EXIST ON THEIR SYSTEM ANYMORE THEY HAVE NO KNOWLEDGE OF THIS BUT I SCREENSHOT IT ... EVERYTIME I CALL CSR DONT BELIEVE ME BUT THEY DONE SOMETHING FRAUDUENT ON MY ACCOUNT AND THEY ARE HIDING IT THIS IS NOWERE IN EXISTANCE EXECEPT WHAT I HAD SCREENSHOT JUST IN CASE IT CAME TO THIS .....
Consumer complaint received 2023-05-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX I used the online account management to close my account and transfer the balance to another account. I have called 3 times now, been " verified '' twice once by a " supervisor '' and still my money has not been transferred and the account closed. I believe they have violated the law on the time frame to honor my request.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (VA)

There was an account opened with XXXX Flags that I never had and filed a police report. I sent over the police report VIA email after I called ( XXXX ) XXXX. This was back in late XXXX and early XX/XX/2022. While the gentleman provided the email he had the audacity to STILL demand payment. It was ridiculous. It has now been XXXX weeks and it's STILL on my credit report. This company has a LONG history of arbitrarily placing debts not owed on the XXXX and another has just been added. It's a pattern that places the burden on the consumer while it takes absolutely nothing to add information on ones credit report. It is XXXX and it was placed on my credit report the last week in XXXX for an account they say was opened in XXXX of this year. Which is impossible considering I have not been to ANY XXXX flags in several years and that none of the information proved to me over the phone even matches me.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Back in XXXX I was a victim of XXXX in XXXX XXXX he was taken also in XXXX Unemployment sent me a letter saying my identity was breached also with XXXX my identity was breached and with this RV company I just got a letter my identity was breached the only things I should be on my credit should be a paid off XXXX with XXXX XXXX totally paid off XXXX XXXX XXXX  credit card for XXXX hour limit almost paid off XXXX XXXX almost paid off XXXX XXXX almost paid off that is the only stuff that should be on my credit report I on my own home I owe nothing on it I owe no bills I never had any and Im very upset I am XXXX years old and I should have great credit I paid off all my vehicles I have I paid off my home never been in trouble nothing and Im going through this my credit score should be so high big due to the fact that I paid off two cars with cash bought a house paid off my credit cards and I only should have two store credit cards and one for XXXX card and I noticed theres a lot more on my credit reports that it supposed to be there and I want it removed because this is fraud
Consumer complaint received 2022-09-05
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)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX # XXXX and 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 2022-01-07
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to Equifax, XXXX and XXXX and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-08-18
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. (MD)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-18
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. (MD)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-08-18
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. (MD)

I discovered that the accounts on my credit report was still incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2022-08-18
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 -US DEPT ED 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 an account without my written instructions.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I was over looking my credit sometime back and noticed that this account was reporting. i mailed out letters to said company ( lvnv funding llc ) and asking to prove how they validated the debt and to send me a copy of items use to do so. never did i get that. i later contacted the credit bureau to do the same. they only said that the company verify the debt. my question was how. at the point i'm stuck. so i tried again and this time i called the company and a csr stated that this was a debt. and i told her i understand how ever its not my debt and that if she could please provide me with documents show how its verify and valildated and she said she didn't have anything other that policy of the credit card. i then told her that does not make me the owner of the said debt. the have not shown me how this my debt but yet they keep posting the debt. please i am asking that they remove the item. also i ask the csr that i was speaking to if i needed to contact XXXX XXXX XXXX she 'told me no '' because they no longer own the debt listed.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for DEPT OF ED/XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2020-06-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NV)

I completed and mailed income repayment plan ( IBR ) documents and verification of Social Security and XXXX benefits to Navient on XX/XX/XXXX. I received a letter from Navient on XX/XX/XXXX. I called Navient to ask why they can not accept our verification of retirement income benefits. XXXX, a Navient IDR agent, informed me that our documents were not acceptable because they were not current. Although, my husbands Social Security verification letter was dated XX/XX/XXXX and my Social Security verification letter is dated XX/XX/XXXX both letters show our current benefit amounts and that these amounts have not changed. 
Documents I submitted clearly show that I have been receiving monthly Social Security Retirement benefits in the amount of {$1700.00} starting XX/XX/XXXX and that I will begin receiving {$1300.00} after taxes have been deducted on or about the third Wednesday of each month thereafter. I also attached verification of my federal ( OPM ) benefits and that amount is {$1800.00}. 
My husbands Social Security Retirement showed that starting XX/XX/XXXX, he would receive {$1800.00} on or about the second Wednesday of each month. My husbands XXXX verification form showed his federal pension amount is {$2800.00}. 

I am just not certain why Navient needs proof of my husband 's income as was in school from XXXX through XXXX and received student loans payments before I married my husband. 
I am just so frustrated with Navient. I was a federal employee for 25 years, from XXXX through XX/XX/XXXX. In XXXX when I inquired about loan forgiveness, Navient told me that they did not have a loan forgiveness program. I inquired again and applied for loan forgiveness in XXXX. At that time, I was told did not qualify for loan forgiveness as I would have to work an additional 10 years from the date I applied for the loan forgiveness program to qualify. I am XXXX years old. I have elderly parents. I needed to retire in XXXX to care for my ailing parents. There was no way possible that I would be able to work another 10 years. This is the second time I have applied for the IBR program. Last year when I applied, Navient gave me such a difficult time and now again, this year, they are putting me through a difficult time. I contacted Congresswoman XXXX XXXX 's XXXX in XX/XX/XXXX and of today, I have not heard from them. Can you please help me resolve this issue?
Consumer complaint received 2022-08-18
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. (MD)

I discovered that the accounts on my credit report was still incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}