davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting 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 Act 15 USC 1681 section 602 ( a ) states ; " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumer 's right to privacy ''. Experian and XXXX keep violating Privacy Act of XX/XX/1974 by sharing my information. Experian and XXXX was also notified about the fraudulent use of my name in various ways. Addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. Experian and XXXX have fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life. Due to the inaccurate information on my credit report, Experian and XXXX allowed XXXX XXXX XXXX XXXX to add a negative adverse item to my collection, which was also reported to identity theft since I have never had any accounts with them. 
XXXX is in violation of the Family Educational Rights and Privacy Act by sharing my personal non public personal information with third party parties which are Experian and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under title 15 USC 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The following financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been sharing my nonpublic personal information to a nonaffiliated third party and my credit report has been affected, 15 USC 1681 ( b ) ( c ). 15 USC 1681 ( A ) ( 2 ) Exclusions ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report which would be between the financial institutions and me the consumer.
Consumer complaint received 2020-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I am in school working on completing my XXXX. I started the program in XX/XX/XXXX and still working on my Dissertation. However, I received a letter in the mail from Navient dated XX/XX/XXXX stating that my in-school deferment will expire in XX/XX/XXXX. So, I called Navient to inquire thinking that I had received a scam letter. The phone tech stated that the letter was legitimate and that the in-school deferment for a private loan with Navient is 48 months -- yes 48 months. The phone tech proceeded to explain that the loan deferment will be up on XX/XX/XXXX and that the payment will become due on XX/XX/XXXX even though I am still in school. I am not aware of any new educational law change regarding student loans, and I have not reached 48 months in-school deferment. I am not sure what is going on with Navient.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

When looking at my credit report I found that there was a major error on my account. I am suffering from extreme XXXX  due to this. I need to buy a new car and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our new car. I need this error removed immediately, my rights are being violated and I demand these inaccuracies be corrected at once.
Consumer complaint received 2024-01-17
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card XXXX by the XXXX XXXX or XXXX : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}
Consumer complaint received 2017-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weinberg Mediation Group LLC (VA)

XX/XX/XXXX my mother received a phone call from the Weinberg Mediation Group concerning a debt of mine. They did not call me, although they have that number on file.They ( her name was XXXX ) told my mom I owed {$420.00} and if not paid that day I would be sued. Even made it sound like I had used my mom 's information to get a credit card. They emailed my mom a statement of who and what was owed. How can they talk to my mom, I 'm XXXX years old and do n't even leave with her. I called Weinberg back and was told on my credit application I used my mom as a reference and that 's how they got her number. I did set up payment because she told me I had to payment is for the XX/XX/XXXX. I really do n't believe I took this credit card out, there are 2 on my report from the same company about 2 weeks apart. I would not of done that. The Weinberg refuses to Validate this through USPS, said they ca n't. Today I called the original creditor and was  told they do n't ask for references on applications. So I know this lady got my mom 's phone number from something else. I just do n't know what to do. I would like more time for this to make sure I did this and its not Fraud.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

after looking into my credit file I realized that there were addresses attached to my account that were not my physical address I am unaware of these accounts also and have reported this problem to all parties asking that they remove these inaccurate detail on my file
Consumer complaint received 2020-08-31
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: Klarna AB (TX)

The creditor Klarna is misleading consumers with the option to pay for an online purchase in installments using a card and asks for address, date of birth and without consent or warning attempts to pull your credit report ( which mine is locked ) and then declined the purchase with the reason " report is frozen with XXXX  '' How can Klarna even verify they have accessed the correct report with having provided them a ssn. Its very misleading and there should be a disclaimer so consumers are well aware. Had I known I would not have entered my information. They are acting as though this is a buy now pay in 4 payments like XXXX and that is false. See supporting screen shots.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Subject : Complaint Regarding XXXX, XXXX, and Experian Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Experian, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : 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 Details of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : 1. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX XXXX XXXX and Experian. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

Inquiry details XXXX XXXX  Inquiry from XX/XX/2021 Bank XXXX XXXX Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Bank XXXX  XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX  Inquiry from XX/XX/2021 Finance XXXX/XXXX  Inquiry from XX/XX/2021 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance.

In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have XXXX companies who have violated my rights that Equifax has reported on my credit report. XXXX hard inquiry by XXXX XXXX XXXX XXXX XX/XX/2023 i did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have called and wrote letters to Experian to remove fraudulent information on my consumer file. 

XXXX XXXX XXXX XXXX XXXX PA XXXX I have asked and demanded proof that I have lived there. They have not furnished that data nor have responded to my disputes, both over the phone and in writing. 

This company is in direct violation on the FCRA as follows, but not limited to : 15 USC 6802 15 USC 1681
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX XX/XX/XXXX I have been in the process of trying to get a mortgage since XX/XX/2023. In XXXX we found out there were disputes on my credit report. I filed the initial dispute with XXXX. In XXXX I called all XXXX bureaus to remove the disputes. The disputes were not showing for XXXX or Equifax. Once my credit was pulled again after making those calls, XXXX had the disputes removed and now they were showing for Equifax and XXXX. So over the next few months I have been calling the bureaus and trying to get this removed, wait the 72 hours and get my credit pulled again. The main bureau who has given me trouble with this issue is Equifax. I have now called 5 times to get this removed and it is still showing. I just got off the phone with a supervisor today and hopefully this is done. The 3 most recent phone calls are XXXX XX/XX/XXXX, XXXX and the XXXX. I am sorry for any innocence this is causing but me and my wife are desperately searching for a house because we have outgrown our current living space. This process has dragged on too long and I am disappointed I have to call Equifax so many times just to remove a remark that I never started with them in the first place.
Consumer complaint received 2018-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I am having a serious issue with Freedom Mortgage. I paid my mortgage payment for XX/XX/2018 online and was informed after the fact that the bank would send them a paper check. As of today they still say they have not received it and my bank says they sent it and it is not their fault that it got lost somewhere because it hasn't been cashed.I contacted the CEO of Freedom Mortgage who is in another state and he sent me an email saying I needed to resolve it with my state. I kept getting stonewalled by Freedom Mortgage and was fed up dealing with rude CSRs who informed me the manager was dealing with other things and could not talk to me so out of frustration I emailed XXXX XXXX who was the one that strongly recommended that I use them for my mortgage. I explained to him that I won't be able to resend the payment until XX/XX/XXXX when I get my retirement check at which point I will pay XXXX and XXXX. because I used online bill pay for my car payment and they credited to someone else 's account so I had to make a double payment while they investigated it. Anyway my bank says I have to pay the {$30.00} stop payment fee which I disagree with since there is proof I submitted the payment on time. Now Freedom Mortgage is charging me a late fee plus it will go on my credit report as my payment being late. This is TOTALLY UNFAIR to me because I sent proof that I did submit my payment on time but it was my bank or someone at Freedom Mortgage who messed up yet I am the one getting shafted. I also wrote the CEO for XXXX XXXX XXXX and still have not heard back. At this point my advice is for people to stay away from Freedom Mortgage because this is a prime example of how customers will be treated.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/23 I called Equifax and the representative XXXX instructed me on how to access my credit report online. 
After accessing my credit report I saw some inaccurate information. I saw that an unbeknownst company name XXXX on my credit report. On top of that I noticed that this company was reporting that I owe {$60000.00} ; upon further review I noticed that the amount payment monthly is reporting XXXX dollars. How can I owe a company {$60000.00} in balance, but nothing monthly? Thats an oxymoron. After making the representative aware of the inaccuracy, he proceeded to tell me that the item needed to be disputed. However, under federal law, if a company is reporting an accurate information Equifax can be monetarily liable for this violation to consumer rights. Also, upon viewing my credit report, I noticed that XXXX is reporting late payments. Under federal law, a credit account can not be associated as being late. I asked the representative if he is familiar with consumer law and the fines for violating those laws, and he continued to tell me that the account is under dispute already, and can not be further disputed. I will be looking for monetary compensation for the time that my credit profile has been compromised. I have already report to ftc.gov as fraudulent use of my credit report. These credit accounts and the Credit reporting agencies have violated consumer rights in a way that damaged my reputation and credit score for over a number of XXXX years. Loss of Privacy : Violations of consumer privacy, such as the unauthorized data collection, breaches of use of personal information for purposes of deceptive practices. Time and Effort : The time and effort required to resolve issues related to consumer rights violations was a significant inconvenience and injury to the consumer. Opportunity Costs : I the consumer missed out on better deals and opportunities due to unfair practices
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance.

In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 222 companies who have violated my rights that Equifax has reported on my credit report. 1 hard inquiry by XXXX XXXX XXXX XXXX XXXXXX/XX/year> i did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.