davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (GA)

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. Recently I saw late payments appear on my consumer credit report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report.
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian will not allow me to unfreeze my credit report to apply for a car loan. I entered my information numerous times over the phone with no help from the automated system. The automated system would not allow me to speak with a " specialist ''. I had no problems calling the other bureaus and have the freezes temporarily removed. The other bureaus were quite helpful and very professional.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to you with imminent concern and severe consternation on the gross complacency exhibited by the organization you represent, in dealing with grievous and damaging errors on my credit report. This is a grim matter that demands your immediate attention and warrants severe action. The negligence showcased by a reputed credit bureau such as yours is nothing short of disastrous, and the time has come to rectify your wrongs. 

It has come to my attention that erroneous information has been - and is still being - reported on my credit, pertaining to an XXXX account opened illicitly under my name. It is deeply disconcerting and downright pathetic that your organization inexplicably failed to catch this grievous error during its early stages. I strongly suspect that both your actions and lack thereof have directly and indirectly contributed to this all-encompassing financial fiasco. 

XXXX committed a serious security breach by allowing for two separate accounts to be opened under my name using my stolen phone. Moreover, the company also displayed a dire disregard for the fundamental cornerstone of any financial entity - safety protocols. They conveniently ignored the procedure of uploading identification documents for verification, casting a mammoth shadow on their credibility and operations. Consequently, as of today, I stand as the victim of circumstances fashioned by your incompetence and XXXX 's negligence. 

The audacity of the situation at hand is undeniable, and so is my absolute demand. Either eliminate this falsely reported account attached to my name and pure reputation immediately, or XXXX is obligated to provide sound, irrefutable evidence that I am personally responsible for these two fraudulent accounts.

Inaction is an unacceptable response. If this abhorrent situation is not rectified by [ XX/XX/year> ], I am prepared to escort this matter into a XXXX XXXX, and I assure you, the legal and financial repercussions of reporting false information about a consumers credit profile could be severe. 

Consider this letter a mandate for transparency and truthfulness. Ignoring a fraud alert on my credit should not be taken lightly, nor should the consequences be underestimated. Clean up this mess that has been created by your organizations laxity and XXXX XXXX complacency or brace yourself for a robust leg pursuit. 

Choose XXXX, for your next action determines the course of my equally decisive reaction. 

I await an expedited, prudent, and complete resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted letters to TransUnion onXX/XX/2018, XX/XX/2018 and again on XX/XX/2018. They have refused to verify these accounts and are in violation of the FCRAs.
Consumer complaint received 2022-03-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Im trying to refinance my existing mortgage and Bank of America is saying to was late making a XXXX XXXX payment that I wasnt late on. They held my money telling me to make a partial payment because I had money from an overpayment that was going to be applied but never was applied and in result they held the money I was told to pay and never applied any fund to that month as I was told the were going to by banks loan representative on the phone.
Consumer complaint received 2021-03-06
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. (CA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2023-03-10
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2022-07-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

Short Version : Sallie Mae ( Navient ) gave me a predatory subprime loans in XXXX to attend these for-profit schools ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had low graduation rates and horrible job placement -- they knew I would be unable to repay the loans. 

My loan amounts are artificially high due to capitalized interest accrued by Navient repeatedly suggesting Forbearance and capitalizing interest rather than having me enroll in Income Based Repayments. Because of this I've never been able to make a meaningful payment on my principal. 

Extra Info : I've been attempting to pay my loans since XXXX. I believe I've made payments totaling ~ $ XXXX between my private and federal loans, but I have not made a dent and Navient continues to worsen the situation while claiming to offer 'aid ' via forbearance, only recently switching to income based repayment, but still charging me out of pocket fees each time I needed to reapply roughly every 3 - 6 months. 

I had struggled to complete the degree I started in XXXX XXXX in XXXX in XXXX, but the school told me none of my credits transferred -- despite being the same company/school. I had to start over, and eventually had to drop out after taking half classes ( 6hrs of class time with 32 hrs of expected course work per week ) at nearly {$700.00} dollars per credit hour and working retail at $ XXXX for 40hrs/week for 3 additional years. 

As I began paying my loans I had no degree to help my attempt to get into my field of study so I spent many years working unpaid internships and contracts well below the market value for my job making it often impossible to pay my loan payments ), my work in the XXXX XXXX  was project based and each time a job completed ( or a studio closed ), I was forced to put my loans in forebearance, at which point Navient capitalized all interest. Worse, during times of unemployment Navient representatives on more than one occasion threatened to garnish the wages of my financially insecure parents who cosigned my loans if I didn't find money to pay. Saying that if I was getting unemployment then I could afford to make payment on my loans. My total student loans were XXXX per month. My rent was $ XXXX, my unemployment was $ XXXX. Representatives also asked the status of my savings account -- and when I told them that I lived paycheck-to-paycheck, they expressed doubt and told me I should ask my cosigners ( parents ) for money. 

My Private Loans : XXXX Signature Student Original Principal : {$19000.00} Unpaid Principal : {$43000.00} Interest Rate : 11.750 % XXXX Signature Student Original Principal : {$10000.00} Unpaid Principal : $ {$11000.00} Interest Rate : 12.750 %
Consumer complaint received 2022-03-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

in accordance with the fair credit report act .the following accounts have violated my rights. 

! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) portfolio recov assoc account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-03-20
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. (MO)

n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Consumer complaint received 2021-03-06
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. (TX)

XXXX XXXX, 2021 I have noticed problems regarding the accounts and personal information listed below on XX/XX/2021. I have contracted the credit union and creditors and have yet to receive any response. I ask that these accounts and information listed be removed immediately as per FCRA and FTC law 15 USC 1681 ( 2 ).
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education (GA)

I am a military XXXX  veteran and my students are to hard to pay down due to me not being able to get active employment because of my XXXX from the service. I tried to work out a plan with my student loans and tried student forgiveness but nothing happen. I am in a hardship with student loans and if we can come to terms on an agreement to help lessen the impact it would help in my hardship.
Consumer complaint received 2023-03-29
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. (NY)

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — Student prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (TX)

I been trying to talk to NetSpend and to serve about my refund and NetSpend about my government and school loan they keep sending me cards idk why there's nothing in them and I keep getting emails there's funds but wen I call they lick me out I am profound XXXX  it's hard to talk on phone idk what to do please help me find out were all my money please
Consumer complaint received 2022-03-20
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. (CO)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions and also the creditors reported inaccurate financial information about me.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TX)

We have health exam that arrange by my family doctor, that doctor said our insurance covered, after 6 months, we received a bill from XXXX XXXX, if some blood test not covered by our insurance, the lab should notice me. we should be have a right to rejected? 
we tried to contact XXXX  XXXX customer service never contacted, always waiting on line for over 30mins, no one answered the phone and email, we are working, can not waiting on phone during the work. 
XXXX XXXX sell debts to Radius Global Solutions LLC. 
They provided disputes electronically at XXXX I email them about the issue. And contact about solutions, they said they didnt receive my email. I did sent to them 7 times. 
How can you Help me for this issue
Consumer complaint received 2022-03-20
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. (AL)

XXXX is reporting two accounts that do not belong to me on my consumer report. I, XXXX XXXX XXXX do not have a loan with them in my name. They have failed to provide any information to me regarding these accounts.
Consumer complaint received 2023-03-10
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. (IN)

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( XXXX Bank ) Making the report is NOT INCLUDED on my Consumer report!
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (CA)

On XX/XX/2022 I called the customer service number for my loan servicer : XXXX. The loan is held by Ameris Bank. I informed them that there should only be one property attached to my escrow account, not two. I looked up the second property on the XXXX XXXX website and discovered it is owned by the state of Alabama. The parcel # is XXXX. I was told by the customer service representative that the issue would be resolved in 10 business days but I could call back sooner to check on the progress. I called back on or around XX/XX/2022 and was told there was no resolution and it would take XXXX business days. I was advised to call back on XX/XX/2022. I called back on XX/XX/2022 and was told that the issue was not resolved yet and I should call back on XX/XX/2022 to request that the issue be escalated since it was past the due date for resolution. During one of my follow up calls I offered to send a snip from the XXXX XXXX website to show I am not the owner but was informed that the bank had to do it's own research. I called back on XX/XX/2022 and was told the issue would be sent to the escalation team. I received an email from XXXX XXXX stating she was the representative for my escalated issue. She did not provide a contact phone number. I emailed her and asked what she would be doing to resolve my issue and when can I expect it to be resolved. By Monday XX/XX/XXXX, I did not receive a response so I called the same customer service number. I informed the representative that I had not received a response from XXXX. She said I should have received a response within 24-48 hrs and she did not know why XXXX had not responded. She said she would send a message to XXXX to reach out to me and, once again, I was advised to call back if I did not receive a response by Wednesday XX/XX/2022. It is XX/XX/2022 and I have not received a response or resolution. It is clear that continued calls is not resulting in resolution so it seems silly for me to continue to call. The impact of this issue is an overstatement of my escrow payments of {$100.00} per month.