davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (NV)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.
Consumer complaint received 2021-04-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (WI)

FH Cann has been repeatedly calling me and asking for XXXX about a debt. They stated the debt is from late XXXX. Theyre citing a college I went to but I graduated in XXXX. The woman was very aggressive and I kept asking for a debt validation. I have never received any mail or verification from them about any debt. I want them to stop calling immediately and only correspond by mailed letters.
Consumer complaint received 2022-07-09
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. (TX)

According to the fair credit reporting a

ct 15 USC 1681.I have the right to privacy. Also according to 15 USC 6802, No financial institution is suppose to share information to third party people. These are clear violations of my federally protected rights.
Consumer complaint received 2023-06-30
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: FIRST ADVANTAGE CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXXXXXX 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 2021-03-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

US bank is both the lien holder, servicer and investor in my XXXX home mortgage ( confirmed with them ) I lost my job on XX/XX/2018. 

I used my severance to pay Mortgage / Property taxes  and did not get a new full salary check in my new position until 1st week XX/XX/2018. 

I fell behind two payments of {$3500.00} each. 

I applied for a forebearance and hoped to have the loan modified in some way. 

To date ( XX/XX/2018 ) US bank has declined to modify the loan and instead " offered '' a 3 month accelerated repayment plan of over {$5800.00} to be paid XX/XX/XXXX, XXXX, XXXX I had to turn this down as I only have about $ XXXX/month disposable income after paying all my bills. 

U.S. bank knew this in XX/XX/2018 when I applied. 

I appealed their repayment plan and denial of loan modification by XX/XX/XXXX IN WRITING as there letter to me instructed. 

I'm Waiting to hear from the appeal ( as of XX/XX/2018 ) I called US bank MAP ( mortgage assistance point today ) My Complaint In the middle of trying to a loan modification ( XX/XX/2018 ) I received a letter from US bank saying they were setting up an escrow account into which I was to deposit about $ XXXX/month to cover home insurance and property taxes. 

My loan note with them EXPLICTLY says " no loans or impound accounts '' and I will pay the property tax as I have done so far. 

I want this escrow account suggestion withdrawn. 

They have made the situation more complex as I was UP TO DATE on all home insurance payments with XXXX ( XXXX ) and yet they paid the full 6 months insurance even though I'd already paid 2 months WITHOUT my knowledge or consent. 

US bank refuses to conduct business via email and insists on telephone conversations. Im guessing to avoid paper trails. 

I have written to them and asked they shut the escrow request down and fix the home insurance mess they created.
Consumer complaint received 2023-03-20
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. (AR)

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 U.S.C 1681 ARKANSAS CHILD SUPPORT 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. It also states a consumer reporting agency can not furnish an 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 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 2019-09-10
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: CORELOGIC INC (TX)

I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
Consumer complaint received 2018-05-23
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)

XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! XXXX, EXPERIAN, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...
Consumer complaint received 2023-03-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent out multiple letters to all 3 credit reporting companies and got ignored and told I hired a 3rd party company which I did not. This act is unlawful and blatantly out of compliance. To tell me I am not who I am requesting information I have already sent off in a CLEAR VIOLATION OF MY CONSUMER RIGHTS. This took well over 35-45 days in order to get a letter telling me that they applaud my efforts, need more documents to verify my identity, or just be flat-out ignored. I will be reaching out consumer rights protection group to see the best way to hold these 3 companies accountable. Here are the accounts that I originally put into question. Personal Information, Negative accounts & also Inquiries that were not made by me! 


1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX 3. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

12. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc. (VA)

This is a medical account with XXXX XXXX in connection with a hospital visit on XX/XX/XXXX. The debt collector is NCC. They have been harassing me for the past few months by robocalling/ leaving me at least 3 open voicemails on my cell phone without any message. I spoke with them on XX/XX/XXXX and verified the debt and asked that they stop doing that because it is annoying and taking up too much of my time when no one actually calls you. My phone does not ring. It goes immediately into voicemail and a voicemail isn't left. I need that to stop.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (CA)

My wallet was stolen in XX/XX/XXXX between XXXX XXXX and XXXX XXXX  in downtown XXXX XXXX. I discovered this because a charge went through at the nearby XXXX store for {$1000.00}. The person then continued to try and charge the rest of may cards all throughout the night ( thankfully those were denied as the limit was too high on them to allow the charges ). I reported this to my bank, XXXX  XXXX and called XXXX immediately and blocked my card online using the mobile app. In order to pay for things until I got my new card, I used online services ( XXXX, XXXX, XXXX XXXX ) while unblocking to make the transaction and then blocking again once I had to ensure no further unauthorized charges going through. I filed a police report, sent in documentation of my attendance at a makeup appointment that lasted from XXXX to XXXX XXXX ( the charge came through at XXXX XXXX ) and provided the makeup artists name and number to my bank. I also sent the other fraud notifications that I received. I can prove where I was the entire night through various other records but none of this was requested by the bank before they denied my claim outright, stating that because I used the card after the false transaction occurred that there was no error. This is patently false as I explained that I was using the card online, not my live card. I had no other way to pay for things since my card was taken. After explaining this, they reopened my claim, but have yet to provide any service around the fraud report, will not answer my emails and gave me an exploding deadline of XX/XX/XXXX, the week of XXXX to provide " more information that substantiates my case '' but have given no guidance about what information they need. To this reply I sent the evidence that the purchases made after the fraudulent transaction were made from my phone and not with a live card as the fraud person claimed. I am very frustrated and also out {$1000.00} after being financially abused by this person, and then my bank. Please help
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

The information reported to the credit monitoring company about my loan from XXXX XXXX XXXX XXXX is not accurate. LVNV funding LLC reported that I am owning {$24000.00} is very misleading. The account has been settled and the current creditor is Resurgent Capital services and the settled amount owed is now {$19000.00}. 
I have been paying my draft regarding this account every month as shown by the attached document. I have also started paying the amount owed XXXX as is shown by the attached document. 
In light of this, the derogatory information reported to the credit monitoring company regarding my credit history is false and misleading and I would appreciaite if this error is corrected as soon as possible.
Consumer complaint received 2019-01-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (TX)

Called made arrangements as I am XXXX with no income. Got ongoing harrassment..assurances of everything fine with follow up email to come ..never came .several more calls..more threats same thing again..assurances and email to confirm never came. Now all quiet but still on credit report and tried to file credit ( potential ) fraud to XXXX  yesterday ( on separate issue ) and could not remember Navient as potential collector.
Consumer complaint received 2018-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

An account from XXXX XXXX XXXX ( Original creditor ) is showing on my credit report. Its now saying that its been sent to the collection agency XXXX XXXX in the amount of {$530.00}. It also says the account was opened XX/XX/16. I did not open this account and Ive tried to contact the company at their toll free number XXXX. It sends you straight to voicemail.
Consumer complaint received 2024-02-05
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-17
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. (FL)

The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : 11 XXXX  XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX