davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

in XX/XX/2010 i took out loans of XXXX dollars. I lost my job and dont have steady income currently. Nelnet wants tax forms I dont have. Once i get a job i will go be making on time payments. just looking for a little good will while. I get back on my feet.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (WI)

On XXXX XXXX a dispute was sent out to all 3 credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited 60 days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all inaccurate
Consumer complaint received 2022-06-07
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  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 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX  XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX  XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX XXXX XXXX XXXX  XXXX XXXX  KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX  KS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJXXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXXNJXXXX I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I got a alert from XXXX that my balance increased on my XXXX XXXX XXXX XXXX to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies
Consumer complaint received 2021-07-13
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. (NJ)

On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

On XX/XX/2018 & XX/XX/2018 I submitted very specific disputes to LexisNexis regarding the public records item below. Their completely unrelated responses are included with this complaint. Additionally, I sent a XXXX late complaint XX/XX/2018 with no meaningful response. LexisNexis is in violation of FCRA regulations and per FCRA are obligated to remove this item from their report : XXXX BKPT CT IL XXXX
Consumer complaint received 2022-06-07
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights in the amount of {$1700.00}. 

15 U.S.C 1681 section 602 A ; Stated I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also stated a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

XX/XX/XXXX mailed out a debt Validation letter to the company asking them to validate, the debt and not verify the debt, and not by sending a bill as a form of validation, that they failed to reply within 30days and  have reported to the credit bureaus false or unvalidated debt which they are in violation of the fair credit act.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (KY)

Original Creditor Name- XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 {$350.00} Creditor Information- ASSETCARE LLC  XXXX Texas XXXX XXXX XXXX ) XXXX This showed up on my XXXX   account as a debt collection. I have XXXX  the info and believe it is a scam debt collection agency.
Consumer complaint received 2022-06-07
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. (FL)

in accordance with the Fair Credit Reporting act 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 2019-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (IN)

Key Bank branch at XXXX XXXX XXXX XXXX, XXXX, IN XXXX will not allow me to open a Key Express Checking Account and they will not give me a specific reason why. They say it is due to a report on me provided to them by XXXX. I obtained a copy of my report from XXXX. There is nothing negative or adverse on the report. Key Bank will not tell me what is on the report that they find to be objectionable.
Consumer complaint received 2018-11-28
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. (CA)

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-07-13
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: Porania, LLC (NJ)

I have these accounts that are not mine and i want htem to be remove. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have defaulted payments due to financial hardship the lender failed to review my loan for alternatives to foreclosure and I was forced to file for Bankruptcy XXXX XXXX. Thereafter I confirmed a Plan under Chapter XXXX and my case was temporarily closed in order to comply with the 5-year plan. During this time Covid-19 occurred and was placed on a forbearance plan and now that the forbearance is over the lender wants to foreclose. I have a current modification process pending and now said is incomplete which is incorrect I have sent all information requested. I feel the lender is trying to wrongfully foreclose my home as my bankruptcy is still pending and they have not requested to obtain relief from the automatic stay.
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NJ)

I have been called by this company five different times today, XX/XX/18 - XXXX, XXXX, XXXX, XXXX, and XXXX. They never leave a voicemail stating who they are or why they are calling. It is only through research that I discovered it is related to a late payment I have with PayPal. I have blocked this number on my XXXX yet their phone calls continue to come through.
Consumer complaint received 2022-06-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (TX)

I am trying to understand why is the loan in closed status on my consumer report then says current which is impacting my consumer report in a negative manner. The Dep of ed/advantage has already discharged the debt via 1099c. I am now demanding that Dept Of ed/aidvantage to properly remit 1099c so that I can properly file my taxes. I am demanding that the dep of ed/aidvantage send me a copy of the 1099c b for the debtor documentation because they have already transferred documentation over to the treasury. Also i am demanding that dep of ed /aidvantage contact all 3 consumer reporting agencies and update the status of my consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
Consumer complaint received 2022-10-22
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. (CA)

According the FCRA, Transunion and XXXX have violated at least 2 laws while trying to verify my credit report. Please see infractions below : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2022-06-07
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 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 2021-07-13
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: Porania, LLC (NY)

I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-06-27
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. (CO)

I sent a letter to all XXXX credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (IL)

Open my checking account XX/XX/XXXX  as a new customer after 12 months I get promotion XXXX bonus for {$700.00} Then no give me my bonus They lying new customer is after 180 days XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX tel XXXX XXXX XXXX my account ending XXXX
Consumer complaint received 2019-01-12
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: Verisk Analytics Inc (TX)

I sent a request for LCI consumer reporting company a request to disregard the sharing of my credit report sharing. This company shares consumer credit information. This company holds documents that can show up on my credit report that can be embarrassing which could cause harm against my financial wellbeing. 

LCI does not make my credit profile available to me, even though my personal information is held within their company. LCI does not allow a consumer to freeze their credit shown within their database. I Dispute these actions. This is a violation of the FCRA which states a data furnisher of credit must respect consumer credit reporting laws. LCI is not above they law! LCI does not have my permission to share, obtain, nor store my credit information at anytime. 

I sent LCI a request to remove my information on XX/XX/19. LCI respneded XX/XX/19 that they are not a credit reporting agency, saying that LCI does not participate in credit reporting acts. This is false! LCI was found on a credit board being reported by a consumer to sharing bankruptcy information. 

LCI sent me a dishonorable response.
Consumer complaint received 2019-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

On XX/XX/2019 I began receiving numerous calls multiple times per day. On XX/XX/2019, I returned a call and was taunted by a representative by the name of XXXX who threatened " we will call you everyday 8 times a day until your debt is settled ''. On XX/XX/2019, I mailed out cease and desist letters to both the Federal and Private loans departments of Navient requesting for Navient to " cease and desist communication with me, as well as my family and friends in relation to this and all other alleged debts ''. However they have continued to violate my rights under the federal debt collection laws by contacting my family and friends despite supervisor XXXX XXXX confirming receipt of cease and desist correspondences on XX/XX/2019.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan.
Consumer complaint received 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-06-27
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. (GA)

In accordance with the XXXX XXXX and XXXX, the following account numbers listed violated my privacy. 
Account Public record ( Bankruptcy ) Reference number : XXXX, Collection accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Inquiries : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

there is a number of inquiries on my credit report that is fraud i did not apply for any of these acounts XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i was just laying down an got a credit alert.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a letters Experian and XXXX credit reporting. 

The Credit bureaus stated Account Name : XXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

The Creditor were created to ruin the consumers LIFE and get paid. 

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Here I am again telling you whats wrong with the bureaus. 

I feel like a crook. Just trying to refinance my house and purchase me a retirement car. I got things easier with bad credit than with good credit. 

Here are screen shots of my scores not that mean anything- Honestly. Someone gets paid to give you a score that goes down when you pay bills off but goes up when you use your credit cards. Whats Fair about that! 

By Now I Hope you believe I thoroughly understand how stupid the Credit reports and the Bureaus are. 

I pay for data from my Fico but it too is different from what LENDERS get - What's Fair about that. I should see the same score as they do otherwise I am wasting inquiries- What's Fair About that?

I STILL DONT HAVE MY HOME LOAN OR MY AUTO LOAN. PLEASE EXPLAIN TO ME WHY NOT. WHA'TS FAIR ABOUT THIS?
Consumer complaint received 2022-06-27
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. (PA)

XXXX 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 a account without my written instructions