davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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: Open Dealer Exchange, LLC (CA)

My credit report was run by 700 Credit/XXXX XXXX  in XXXX, CA on XXXX XX/XX/2022 without my authorization
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (PA)

I was reviewing a copy of my credit report and seen some fraudulent chargers on XXXX, XXXX, Equifax XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting Act US DEPT OF E/XXXX Account # XXXX, US DEPT OF EXXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , US DEPT OF EDUCATION/XXXX  Account # XXXX, US DEPT OF EDUCATIONXXXX Account # XXXX, US DEPT OF EDUCATIONXXXX Account # 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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
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: MOHELA (IA)

In accordance with the fair credit reporting act MOHELA/ DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-28
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. (GA)

Experian violated my rights by verifying the accuracy of XXXX XXXX XXXXXXXX XXXX payment history. 

THE PAYMENT HISTORY IS INACCURATE.
Consumer complaint received 2022-06-07
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. (GA)

THIS IS A NEW COMPLAINT NOT A DUPLICATE. 



I received this email regarding the closing of the listed complaint number. 
XXXX I previously sent communication regarding the complaint number below which was also close. 

I spoke with the representative approximately 1 to2 weeks ago regarding this complaint. One of the CBR 's contacted us regarding the issues. It appears the confusion was both my CBR ; s and spouse 's were uploaded together, We also told the representative we will would upload

the 1098 's to prove the fraud. So, now we see the pattern
of someone wanting our complaints closed. All CBR 's and 1098 's for myself and my spouse will be upload separately to prove there was and still is fraud! 


XXXX was the previous complaint which was sent by the XXXX XXXX  XXXX XXXX, We received 2 from the CFPB stating they did not know why the complaint was sent to the CFPB. Given the contact. We provided a detailed overview of why we thought it was sent to the the numerous fraud reports involving multi [ le groups of individuals such as attorneys and judges who were engaged in illegal activities which fall under the RICO statue. In addition, to my wife 's previous bankruptcy which, striped us of everything we though we own, We never received loans for out real property and my wife 's commercial property which the sba funded for bother her ex business partner who appeared to have stolen the money and placed the money into hidden accounts unknownst to my wife It was very obvious the second caller from the CFPB was calling us is order to state we withdrew the complaint but, WE DID NOT! We are being slandered and accused of being un truthful regarding all of the reports we file to the federal authorities, How can you lie about reported illegal activity when you are hold the ORIGINAL EVIDENCE! WE NEED LEGAL ASSISTANCE and NO ATTORNEY IN GA will take our case because they are corrupt, the last retained attorney stole 10k from us and did nothing. It appears someone within this loop wanted this complaint shut down, The brc XXXX within the US BRC OF NORTHERN GA AS WELL, THIS COMPLAINT WAS PLACED BY SOMEONE UNDER A PAYDAY LOAN ISSUE WHEN IN FACT IT'S NOT. THIS IS A RICO CASE INVOLVING HUNDREDS IN INDIVIDUALS WHICH NEED TO BE INVESTIGATED ASAP BY THE US ATTORNEY GENERAL 'S OFFICE, IF WE NEED TO FLY TO DC TO MEET WITH PARTICULAR FEDERAL AUTHORITIES WE WILL. WE ARE VERY KNOWLEDGEABLE OF EACH DIVISION AND KNOW WHO THE KEY CONTACTS ARE. PERSONALS PERTAINING TO BE FEDERAL AGENTS HAVE ACTUALLY CONTACTED US JUST TO OBTAIN INFORMATION, WE WERE VERY AWARE THEY WERE IMPERSONATORS,
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (SC)

Convergent Outsourcing is in violation of -- 15 U.S. Code 1692c ( c ) 15 U.S. Code 1692g ( a ) ( 1-5 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692f ( 1 ) ( 8 ) 15 U.S. Code 1692b ( 2 ) & ( 5 ) ( See Exhibits )
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: ERC (OK)

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 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 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 item 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 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (CA)

The Law Offices Of Maury Cobb sent me a letter and numerous robo calls saying they are trying to collect a debt from XXXX XXXX ( who I was a customer for many years which I never had even a late payment. ) I then called the law offices of Maury Cobb which a gentleman informed me I owe XXXX for early termination, equipment and taxes. I told the gentleman I didn't owe that and it was bogus. The gentleman then put me on hold for a hour just to hang up on me.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX  : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to Experian, XXXX and XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
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. (TX)

in accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MI)

TrueAccord made initial contact via email on XX/XX/XXXX, on behalf of XXXX XXXX, XXXX, regarding consumer debt they alleged was mine ( it was not ) and wanted me to pay. They made subsequent contacts via email on XX/XX/XXXX, XXXX, and XXXX, and as a result, I sent a letter via certified mail on XX/XX/XXXX, requesting an official debt validation within 15 days. TrueAccord did not respond to my request but continued making contact via email on XX/XX/XXXX, XXXX, and XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX -- asking me to pay the debt. I sent a debt collection letter via certified mail on XX/XX/XXXX, officially requesting debt cancellation. 

I then received two debt collection letters in the mail on XX/XX/XXXX, from XXXX XXXX XXXX. They explained some of the debt -- including the original creditor origination date ( XXXX ). Having never opened a credit account with that creditor or at the alleged date, I submitted a message on XXXX 's website on XX/XX/XXXX, stating the inaccuracies of the debt and statute of limitations in Michigan ( 6 years ), and I requested that the debt be removed from my records. 

I received an additional debt collection letter on XX/XX/XXXX, from XXXX XXXX, XXXX, attempting to collect the same debt that TrueAccordXXXX XXXX, XXXX attempted to collect in XX/XX/XXXX. In this letter, XXXX XXXX indicated that XXXX XXXX XXXX was a parent company to XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am suffering with a bad credit score because of incorrect reporting of late payments. I have been deferring my loans and on time every year since I have graduated. I was finally able to get my degree and have been searching for employment but I have found out that some places that I am applying for will not hire me because of my bad credit score. I have not debt except student loans and this information is inaccurate. By law, the bureaus are only to report accurate and factual information. I need this investigated and corrected.
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

I called in many different times over the past several years letting the associates at Navient know that I was having trouble with making my payments. Each time, I was put in a forbearance or differed program. Each program I was put in racked up interest each month without any payment credits. I was never given the option of applying for an income based repayment plan and possibly having a zero payment but at least get credit for payments those months. I would have been several years in now of the IBR plan by  now.
Consumer complaint received 2021-09-03
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

CITIBANK shows supposedly late however no phone calls, emails, or mail with a " late '' status to try and remiediate. i called yesterday XX/XX/2022 and they told me no late fee had been assessed and to call the credit company because they couldnt do anything.
Consumer complaint received 2022-03-29
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. (VA)

Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2019-02-04
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: CITIBANK, N.A. (CA)

Date : XX/XX/2019 Place : XXXX checkout counter in XXXX XXXX, XXXX, CA The associate told us that if we sign up for store membership, we would get additional discount, but when he asked for my SSN to sign up, I asked him, if this is a credit card application. He replied Yes. So, I asked him that I would like to opt out. He said, he has pulled out the application and my credit is not affected. 
I checked my experian account and a credit inquiry had already been posted. 

Date : XX/XX/2019 XXXX AM PST I called Experian to dispute the enquiry and the redirected me to talk to MACYs only. 

Date : XX/XX/2019 XXXX AM PST I called XXXX asking them to withdraw the enquiry and the associate on call, told me that XXXX will not do anything to withdraw the enquiry. I even told them, if they can get the checkout associate on conference call, I can get a confirmation on the series of events to which they said, they won't do that either.Also, I asked them if there's an email Id in XXXX to which I can write for my grievance redressal, to which they said, " Only verbal confirmation can be provided ''
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Hello, Credit reporting agency showing incorrect delinquency on my mortgage account with fifth third bank. 
My payments have been deferred forbearance till XX/XX/XXXX due to covid. Fifth third bank and I agreed mid XXXX that we accepted fifth third bank offer which is to open a balloon payment. 
Then fifth third bank deferred payments till XX/XX/XXXX. 

I reinstated auto pay account with fifth third bank on XX/XX/XXXX and continued to pay regular monthly payments from XX/XX/XXXX as agreed. 

I have all supporting letters from fifth third bank which I submitted to XXXX and they are not removing incorrect information. They reported that I was delinquent 180 days in XX/XX/XXXX. 

Supporting doc. 

Leter from fifth third bank that my payments have been deferred to XX/XX/XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax removed this account from my credit report and keeps allowing a non-credit account on my credit report. This is a violation of the FCRA Act. XXXX and XXXX don't allow this to keep happening. This has had a direct impact on my family and my rights.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I have been having difficulty with CitiBank Credit Card Services. My initial credit limit was {$1000.00} and I have been making my minimum payments. On XX/XX/XXXX I made a payment in the amount XXXX and {$60.00}. I made the larger payment because I needed to pay a bill using a credit card. When I checked my balance the following morning my limit had instantly been reduced to {$510.00}. Therefore essentially Citibank took the funds that were paid without any prior notice of wanting to reduce my credit limit or increasing my minimum payment so that the balance could be paid, negotiating a payment arrangement, or just cancelling my cash advance amount. They just took the {$470.00}. They later sent an email on XX/XX/XXXX stating they had reduced my credit limit after the fact that they had already taken the funds. I called on XX/XX/XXXX asking for a reinstatement of my credit line and/or a refund of the payment. The representative stated that he would file a request someone would contact me in 5-7 business days. I heard from no one and called them back on XX/XX/XXXX. Spoke with another supervisor who stated he would " have the request expedited '' I would hear back from someone in 2 business days '' I called a third time XX/XX/XXXX a woman said that there were no responses listed regarding the issue and that she would " send an email to the refund department '' it's been almost a month and nothing has been done. This is a shady and unscrupulous way at attempting to force a consumer to pay off a credit card faster.
Consumer complaint received 2022-06-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST.
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. (TX)

in accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (MD)

XX/XX/XXXX - XXXX Visa Debit card given to recipients XX/XX/XXXX - card expiration date XX/XX/XXXX - ( specifically XX/XX/XXXX ) - card rediscovery and called in to company to activate / was told by XXXX ( XXXX ) at Texas Call center to go to US Government unclaimed property and attempt to retrieve funds of {$600.00} after 5 years from now. XXXX informed us the {$600.00} would only be available to us 5 years from now, and this was the only option available. Netspend informed us a replacement card was an option, but XXXX insisted the only route was through the US Government unclaimed property - National Treasury website.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!