davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-16
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXXXXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00}, XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, Medical XXXXBalance : {$200.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$540.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (LA)

A COMPANY BY THE NAME OF SPRING OAKS CAPITAL AS OF XX/XX/22 IS REPORTING A DEBT THAT SUPPOSENDTLY OWE BY ME IN THE AMOUNT OF XXXX DOLLARS. I DO NOT KNOW WHO THESE PEOPLE ARE AND I DO NOT OWE ANY XXXX DEBT! I HAVE NEVER RECIVED ANYTHING IN THE MAIL NOR E-MAIL FROM THESE PEOPLE REGAURDING THIS!! IN THE PAST IVE HAD ID THEFT HAPPEN BUT THAT WAS A FEW YEARS AGO. THIS IS 100 % NOT MY DEBT AND THEY NEED TO REMOVE THIS FRAUD ASAP. MY INFO IS AS FOLLOWS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF THEY WANT TO REACH OUT TO ME THEN SO BE IT. MY SSN IS XXXX
Consumer complaint received 2015-10-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC. (IL)

On XXXX XXXX XXXX, 2014 I received a call on my landline phone from XXXX XXXX XXXX XXXX on behalf of Sallie Mae XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.
Consumer complaint received 2022-05-16
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. (IL)

In accordance with the Fair Credit Reporting Act The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-16
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. (IL)

In accordance with the Fair Credit Reporting Act The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (VA)

violation of my rights. I have no contract with this company, and they continue to accurately report this account to the credit bureaus. They are attempting to collect a debt not owed! Again, I have no contract with this company
Consumer complaint received 2022-05-16
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. (IL)

In accordance with the Fair Credit Reporting Act The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-16
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)

I have sent over a letter to transunion requesting that they investigate the unverified accounts on my credit report. Their first correspondence had requested that I send over power of attorney and they wrongly assumed that I was being represented by a credit repair service. I have reminded them that they are in violation of the FCRA section 616 & 617 and they continue to violate the law. 
they are also in violation of 15 USC 1692 ( d ) ( 1 ) insofar as, each account listed stands for a XXXX violation to be paid to the consumer whose credit reputation is being violated. 
the first letter with the tracking XXXX XXXX XXXX XXXX XXXX was on XX/XX/22. this was the first letter that was received by transunion and nothing happened the amounts were investigated. Then they were put back onto my consumer report around a month later.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-05-16
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. (AL)

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a XXXX period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to Transunion, XXXX, and XXXX. 



Thanks again for your cooperation, XXXX XXXX
Consumer complaint received 2022-05-16
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)

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.

All accounts/collections on my credit report have 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 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 2022-05-16
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

All accounts/collections on my credit report have 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 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 2022-05-16
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX, XXXX - ACCT # # # # # # 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.
Consumer complaint received 2022-05-16
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. (FL)

WAS CAR SHOPPING AND THE DEALERSHIP SUBMITTED MY CREDIT FILE TO MULTIPLE BANKS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and  Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-05-16
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. (CT)

I went to purchase a car but there were too many hard inquiries. 

BANK XXXX XXXX, XXXX, XXXX BANK, XXXX CARD, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (FL)

Someone with Douglas Night and Associates called me from XXXX advising they were calling me about an accident I had back in XXXX in 2017. He said the other party filed a bodily injury claim for XXXX dollars and I have to pay that amount. I asked if the other party is suing me and the representative advised me that the other party could sue me if I didn't pay this amount. After working in the insurance business for over 3 years, that amount would be paid out under their personal injury protection coverage on their own policy. This rep advised me that if I did not pay this amount, he would revoke my driving privileges and take my vehicle registration away from me. After reviewing the reviews on this number, he seems to be a scam artist coming after accident victims. I am very upset that he called me and harassing me so I would pay that amount to him. I also know that working in the insurance world, I wouldn't get a phone call from someone if I were to get sued, I would have been served papers, which in this case, I was not.
Consumer complaint received 2022-05-16
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: Nelnet, Inc. (AL)

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a XXXX period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and XXXX. 



Thanks again for your cooperation, XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX for the month of XX/XX/2023 ] to be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2022-05-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC (MD)

XXXX XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXXF XXXX XXXX XXXX, claims IN COURT to be the PURCHASER of my real property on a foreclosure sale that took place on XX/XX/XXXX. 

XXXX XXXX is still a BANK and they can not own real property that is not for banking business. At the FORECLOSURE SALE that took place on XX/XX/XXXX, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX is attempting to STEAL my property. They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action. 

THEY ARE STILL A BANK. They are not the alleged lender or the alleged servicer. 

TWO AFFIDAVITS OF FACTS WITH PERSONAL KNOWLEDGE and a video recorder will proof that they were not at the foreclosure sale. No agent, representative, man, woman of the Bank, XXXX XXXX XXXX XXXX XXXX XXXX were present at the foreclosure sale. There was no deposit of {$28000.00} as per the Terms of Sale. There was no PURCHASE.
Consumer complaint received 2024-02-15
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.