davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (VA)

Amount is {$350.00} On XX/XX/2022 XXXX contacted my son from XXXX and left a voice mail on his phone. It stated " This is XXXX XXXX contacting you once again in regards to a claim that is being refiled for ( my name ) to make you aware that once docket number VA XXXX is refiled it will become a matter of public record and there will be an order of location rescheduled. Now this claim is being refiled against ( my name ). We're reaching out to you as a point of contact because it is a matter of public record and your name is somehow affiliated with their claim. Now Miss ( my name ) does still have the legal right to contact the filing party. However once the claim is discharged in their office that will no longer be an option. If you happen to speak with ( my name ) it will be in her best interest to contact the office immediately before all legal rights are forfeited. Number for her to contact once again XXXX, referencing docket number VA XXXX. This is a legal notification by telephone and it will be redocumented on the claim, thank you. ''
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. (LA)

My name is XXXX 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 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NY)

On XX/XX/XXXX I noticed a pending transaction on my credit card account. I rarely use the card and hadn't made any recent purchases, so I called to dispute it right away. The transaction was dated XX/XX/XXXX in the amount of {$100.00} and the merchant was XXXX. I've never even heard of them. I was told that I would have to wait until the charge was posted before reporting it, so I called back on XX/XX/XXXX after it was posted. They listed off XXXX phone numbers they had in their system for me, and only one is accurate. I asked them to remove the other number. They NEVER should have allowed a new number to be entered without notifying me in some way- I've never had that number so I certainly didn't enter it. 

They said the Fraud department would open a fraud claim within 5 business days and they would be in touch with me in that timeframe. I waited the time and then called back on XX/XX/XXXX when I hadn't heard back from them. I was transferred to so many people and nobody was willing to help me with a resolution. One of the representatives told me she escalated my complaint and I should hear back from the Fraud department within 5 business days ( again ). I also decided to send an email to their customer service on XX/XX/XXXX with my complaint, and all they could do is tell me to call the customer service number. I waited the 5 days again and then called back on XX/XX/XXXX. I was transferred to every department, and nobody could provide an update on my claim or assist me with next steps. Most representatives wanted to transfer me to Card Services, but every time I talk to them they inform me that they can only issue a new card ( I had XXXX sent during my first phone call with them ) and they don't actually deal with fraud claims. But the representatives wouldn't listen when I told them to stop transferring me to Card Services. They wouldn't let me talk to somebody in charge and nobody would provide an update on my claim. Overall, I have called them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and emailed them XXXX times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have received absolutely no assistance. I do not want to pay for an unauthorized transaction ( which is my right as a consumer ) but they will not help me with this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Bank, 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 2022-04-14
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. (IL)

In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX has violated my rights. 

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

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-14
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. (GA)

I have disputed this same account with EXPERIAN since XXXX. I requested in writing an investigation into an account reporting to my credit report by XXXX XXXX.My initial dispute was responded with " account verified '' .My next request was a " method of verification '' used to validate said account.It was never received.Iv'e sent EXPERIAN a plethora XXXX letters requesting to update/correct my credit report due to inaccuracies.EXPERIAN to date has not and continues to report inaccurate and incomplete information on my credit report which violates 15 U.S.S. 1681eb-Maximum accuracy.The account with XXXX XXXX  was never verified and continues to update each month and it's charged off.According to the IRS publication a charge off is debt forgiveness an considered ordinary income.Income is not reported to a consumer 's credit report, Therefore the charge off should be deleted immediately.15 U.S.C. 1881e compliance procedures states ( b ) accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable ; e procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. I have attached letters, certified mail with return receipts as proof of my disputes with EXPERIAN.I have also attached different credit reports detailing the inaccuracies to include : charge off continues to update each month, discrepancies in last reported date, date last active, date of last payment, date last reported, and date past due.These are ALL FCRA violations and EXPERIAN has exhibited willful negligence by not investigating this account with XXXX XXXX  properly and deleting it from my credit file after 30 days of a failed investigation.
Consumer complaint received 2024-02-14
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. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
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: EQUIFAX, INC. (LA)

My name is XXXX 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 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The problem that worries me, in these moments is my credit record, I explain. 
On XX/XX/XXXX, I applied for my first credit card with Bank of America, it is one of the cards that you deposit XXXX dollars to start making your credit. On XX/XX/XXXX I applied for a new credit card and the representative who assisted me in the america bank designed me that later I can join the credit of the two cards, I return to the bank on XXXX XX/XX/XXXX and the representative who is the same person who attended all visits suggests me to join the credits. My question to him was that if joining the two credits of the cards would affect my credit and he says no, he designed me that I close the card if it affects my credit, but that was not close just join both credits and stay with a single card. Now after one year I apply for a loan in another bank and when reviewing my record it appears that I closed my credit card in XX/XX/XXXX which was not so and this has affected my credit in a considerable way, I have called customer service Bank of America credit cards and your response has been ... we regret your situation but we can not do anything to help you, I think it is not an appropriate response when I have been all this time without knowledge of what was happening, the address of the location of bank of america that perform all the procedure this located in the following direction XXXX XXXX XXXX XXXX, XXXX  XXXX, ks XXXX, in attention to the client of bank of america of the credit card I attended XXXX  of the state of california. This is my problem I hope you help me to solve, since there has been lack of information on the part of the representatives. I apologize for some spelling error, because English is my second language ... 
thanks for your help
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

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 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have already sent multiple letters to the Credit Bureau but havent received any response from them. The negative accounts are persistently reporting on my Credit Report, which causes negative outcome to my credit. I would like to request for an immediate steps for the removal of the accounts reporting on my credit report in violation of Federal Law. This information seems to be misleading. 
Charge-off : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

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 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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored. I am certain that Original creditor : XXXX is reporting erroneously in Equifax. I do not remember having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete this straightaway. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The debt collector verbally agreed and submitted for removal in XX/XX/2015. As of this request they have not been removed by the credit reporting agencies. I have requested and received and have attached a copy of the removal request from the debt collector. The debt collector is XXXX XXXX XXXX and there are XXXX " Clients '' 1. XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX 3. XXXX 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: Experian Information Solutions Inc. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so baffled about this situation! As anticipated, CFPB and TRANSUNION have ignored my request YET AGAIN for REMOVAL of the account below which is not mine. You guys seem like a lot of passing the blame or no accountability. Well whatever the reason, I'm beyond disturbed. I have provided all you need from my personal information to my FTC and Police Report which I have filed, but nothing has altered. Now tell me, are you playing around?! Coz let me notify you that you are NOT OBEYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or ELIMINATE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those evidences? NOT A BIT! You have provided ZERO PROVABLE PROOF! I dont want to be so horrible, but please FOLLOW THE LAW! COMLY WITH IT AND REMOVE THIS ACCOUNT INSTANTLY! 

XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance {$0.00}
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Navient has told me I am behind 2 payments! Interesting enough I made a payment of {$220.00} plus an additional amount which was less than the {$220.00} and am no longer 2 payments behind. Their accounting system is a joke!!! I have made payment to the lender, Navient-some payments were late, but not 30 days late in recent history ( meaning more than 18 -24 months ). I made 12 payments in XXXX and 7 in XXXX through XXXX XX/XX/XXXX. I expect to pay a late fee when paying late. I made 2 payments in XX/XX/XXXX and was told I had missed a payment as XXXX 's payment was never applied to XXXX from the extra XX/XX/XXXX payment. In addition, I was told I had missed several payments previously, did not qualify for the CARE plan, did not qualify for reduced payments in the past when I had made them per Navient or deferred payments in the past when their company had set them up. Also, I have never received a full payment history from this Lender when my loan was transferred to them from XXXX XXXX on XX/XX/XXXX and I am unable to get in contact with XXXX XXXX. In the past Navient would call me as many as 15 times per day when my payment was as much as 1 day late -to the point of harrasment. This was happening during the period of Covid. It became so disruptive to my workday-I was forced to block their calls! 
Lastly, the account history available does not give a clear understanding of when I am in deferment and when I am not. I believe I am not being properly credited for the timely payment I have made. I have attached this history. 
I paid a total of {$410.00} on XX/XX/XXXX and XXXX to bring my account current. They claim my payment is due on the XXXX. I have not seen a statement in over a year!!! 

I don't know my account number, because it is not readily available on the webpage and I do not receive a statement or an email document from Navient so I am forced to enter my social security information to access their website!! 

Payment history for XXXX and XXXX is below : XXXX {$220.00} XXXX {$210.00} XXXX {$220.00} XXXX {$210.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XX/XX/XXXX -- $ {$220.00} XXXX $ {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$170.00} XXXX {$220.00} XXXX {$220.00} Navient is a predatory lender that takes advantage of the system and twists it to their advantage. They have been the subject of multiple lawsuits for this very type of behavior they are exhibiting again and yet are still allowed to be in business and people such as myself are forced to deal with them. We can not just simply go somewhere else!!! 

Respectfully, XXXX
Consumer complaint received 2024-02-14
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. (NC)

I AM A VICTIME OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. 
REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT I AM DISPUTING THE ATTACHED ITEMS AS A RESULT OF IDENTITY THEFT. 
MY INFORMATION WAS USED WITHOUT MY CONSENT AND NOW I HAVE THE FOLLOWING ITEMS ON MY CREDIT REPORT AS A RESULT : 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